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$10,917
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$345/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,202/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,145
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,471
−HK$330/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,602/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,508
−HK$414/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,844/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,574
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,965
−HK$396/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,171
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,284
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,759
−HK$483/mo
Today · 4.125%
HK$16,242
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,484/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,003
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$462/mo
Today · 4.125%
HK$17,921
baseline
▲ 0.50% · 4.625%
HK$18,866
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,842/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$621/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,861
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$595/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,256 · 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).