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$684/mo
▼ 0.25% · 3.875%
HK$11,234
−HK$345/mo
Today · 4.125%
HK$11,579
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,158/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,121
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$330/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,552/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$413/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,740
+HK$846/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$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,545
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$396/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,662/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,254
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$482/mo
Today · 4.125%
HK$16,210
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,420/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,969
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$461/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,829
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,612
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$620/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$22,110
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$594/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,314 · 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).