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$10,782
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,117
−HK$341/mo
Today · 4.125%
HK$11,458
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,916/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,995
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$326/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,286/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,938
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$409/mo
Today · 4.125%
HK$13,750
baseline
▲ 0.50% · 4.625%
HK$14,586
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,500/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,394
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,780
−HK$391/mo
Today · 4.125%
HK$15,171
baseline
▲ 0.50% · 4.625%
HK$15,971
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,342/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,564
−HK$477/mo
Today · 4.125%
HK$16,041
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,082/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$457/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$614/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$587/mo
Today · 4.125%
HK$22,757
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,514/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,342 · 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).