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$10,914
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,254
−HK$345/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,198/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,142
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$330/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,473
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,596/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,097
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,505
−HK$413/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,836/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$397/mo
Today · 4.125%
HK$15,358
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,716/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,280
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$483/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,476/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,999
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,455
−HK$462/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,646
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,257
−HK$621/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$22,148
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$594/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,251
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,143 · 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).