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$10,744
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,078
−HK$340/mo
Today · 4.125%
HK$11,418
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$694/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,836/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,952
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,273
−HK$325/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,893
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,294
−HK$407/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$834/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,402/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,343
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,728
−HK$390/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$15,915
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,041
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$476/mo
Today · 4.125%
HK$15,985
baseline
▲ 0.50% · 4.625%
HK$16,957
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,970/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$455/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,339
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,940
−HK$612/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$586/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,667 · 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).