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$10,743
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$340/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$694/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,834/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,951
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,272
−HK$325/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,891
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,292
−HK$408/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,400/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$390/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,232/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$475/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$455/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$611/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,800
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,100/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,512
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,089
−HK$586/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,626 · 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).