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$10,770
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$341/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,892/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,982
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$326/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,258/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,924
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$409/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,470/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,378
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$391/mo
Today · 4.125%
HK$15,155
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,310/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,078
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$477/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,999
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,048/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$457/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$613/mo
Today · 4.125%
HK$20,602
baseline
▲ 0.50% · 4.625%
HK$21,856
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,204/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$586/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$23,931
+HK$1,199/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,825 · 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).