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$685/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$345/mo
Today · 4.125%
HK$11,598
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,196/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,141
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$330/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$96,098 · 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$96,098 · 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$16,166
+HK$810/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$96,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,279
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$483/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,474/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$463/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,832/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,644
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$621/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$594/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$96,098 · 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).