The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,750
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$340/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,848/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,959
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$325/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,210/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,900
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$408/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,543
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,418/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,351
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,736
−HK$391/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,050
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$476/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,743
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$456/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,578
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$612/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,527
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$586/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$23,886
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,942 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).