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$10,902
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,241
−HK$344/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,170/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,128
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$330/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,082
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,489
−HK$414/mo
Today · 4.125%
HK$13,903
baseline
▲ 0.50% · 4.625%
HK$14,749
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,806/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,944
−HK$396/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,737
−HK$483/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,979
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$462/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$620/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$594/mo
Today · 4.125%
HK$23,010
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,020/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,598 · 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).