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$10,776
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$341/mo
Today · 4.125%
HK$11,452
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,904/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,988
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$326/mo
Today · 4.125%
HK$12,636
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,272/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,931
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$409/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,484/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,386
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$391/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$799/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$476/mo
Today · 4.125%
HK$16,032
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,064/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,783
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$457/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$613/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,254/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,226/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,579
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$587/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$23,943
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,076 · 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).