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$10,908
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$345/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,184/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,135
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$330/mo
Today · 4.125%
HK$12,791
baseline
▲ 0.50% · 4.625%
HK$13,465
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,582/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,090
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,497
−HK$414/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,822/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,562
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$396/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,158
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,698/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,271
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,746
−HK$483/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$987/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,458/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,989
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$462/mo
Today · 4.125%
HK$17,907
baseline
▲ 0.50% · 4.625%
HK$18,851
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,814/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,635
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$621/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$22,135
+HK$1,269/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,843
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$594/mo
Today · 4.125%
HK$23,023
baseline
▲ 0.50% · 4.625%
HK$24,237
+HK$1,214/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$46,046/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,872 · 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).