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$10,741
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$339/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,109
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,828/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,949
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$325/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,188/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,889
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$407/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,394/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,339
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$390/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,226/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,037
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$475/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$455/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,934
−HK$611/mo
Today · 4.125%
HK$20,545
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,090/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,508
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$585/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,525 · 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).