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$10,757
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,092
−HK$340/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,864/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,967
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$326/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,228/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$408/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,360
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$390/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,272/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,060
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$476/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$974/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,754
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$456/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,590
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,318/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$612/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,829
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$586/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,245 · 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).