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$10,751
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$340/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,850/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,960
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$325/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,212/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$408/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$391/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,051
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$476/mo
Today · 4.125%
HK$15,995
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,990/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,744
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$456/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$612/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$585/mo
Today · 4.125%
HK$22,691
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,197/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,382/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,974 · 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).