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$11,087
−HK$339/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$696/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$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,962
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$326/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,216/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$408/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,739
−HK$390/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$798/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$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,053
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$476/mo
Today · 4.125%
HK$15,997
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,994/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,746
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,195
−HK$456/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,302/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,354
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$611/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,819
+HK$1,252/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$89,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$586/mo
Today · 4.125%
HK$22,694
baseline
▲ 0.50% · 4.625%
HK$23,890
+HK$1,196/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$45,388/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,032 · 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).