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$10,738
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$340/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,106
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,824/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,946
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$326/mo
Today · 4.125%
HK$12,592
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,184/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,886
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$407/mo
Today · 4.125%
HK$13,694
baseline
▲ 0.50% · 4.625%
HK$14,527
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,388/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,335
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$390/mo
Today · 4.125%
HK$15,110
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$796/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,220/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,033
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,501
−HK$475/mo
Today · 4.125%
HK$15,976
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,952/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,725
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$455/mo
Today · 4.125%
HK$17,628
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,256/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$611/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$585/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,420 · 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).