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$10,913
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$344/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,141
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$331/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,594/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,096
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$414/mo
Today · 4.125%
HK$13,917
baseline
▲ 0.50% · 4.625%
HK$14,764
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,834/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,569
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$396/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$482/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$462/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,644
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$620/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$595/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,090 · 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).