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$10,889
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$344/mo
Today · 4.125%
HK$11,572
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,144/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,114
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$330/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,538/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,067
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$413/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,774/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,537
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,927
−HK$396/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$807/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$482/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,960
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$461/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$619/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,267/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$593/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,211/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,051 · 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).