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$10,922
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$346/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,313
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,214/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,150
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$331/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,482
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,614/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,106
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,514
−HK$414/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,580
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$397/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,290
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$483/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,010
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$463/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,659
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$621/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,871
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$595/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,471 · 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).