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$685/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$345/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,192/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,139
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,464
−HK$331/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,590/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$414/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,830/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,957
−HK$397/mo
Today · 4.125%
HK$15,354
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,708/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,276
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$483/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,222
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,468/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$463/mo
Today · 4.125%
HK$17,913
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,826/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$620/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$594/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,018 · 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).