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$10,780
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,115
−HK$341/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,153
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,912/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,993
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,314
−HK$327/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,282/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$408/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,494/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$392/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$799/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,092
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$477/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$17,015
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,240
−HK$457/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,404
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,008
−HK$613/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,876
+HK$1,255/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$587/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,200/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,261 · 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).