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$10,911
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$345/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,190/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,138
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,464
−HK$330/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,468
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$414/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,828/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,566
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,957
−HK$396/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,275
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$483/mo
Today · 4.125%
HK$16,233
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,466/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$463/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$620/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,270/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$594/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,214/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,996 · 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).