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$10,893
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$344/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,281
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,152/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,119
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$329/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,546/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,072
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$414/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,784/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$396/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,251
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$482/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$462/mo
Today · 4.125%
HK$17,883
baseline
▲ 0.50% · 4.625%
HK$18,825
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,766/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,608
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$619/mo
Today · 4.125%
HK$20,837
baseline
▲ 0.50% · 4.625%
HK$22,105
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,674/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,399
−HK$593/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,204
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,220 · 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).