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$10,895
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,234
−HK$344/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,156/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,120
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$330/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,550/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$414/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,788/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,544
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$396/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$482/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,968
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$461/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,611
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,221
−HK$619/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$22,108
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,817
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$593/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,288 · 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).