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$10,752
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$340/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,121
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,852/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,961
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$325/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,214/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,902
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$408/mo
Today · 4.125%
HK$13,711
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,422/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,353
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$391/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,052
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$475/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$974/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,746
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,195
−HK$455/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$931/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$612/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,251/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$585/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$23,890
+HK$1,197/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,016 · 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).