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$10,891
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$344/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,148/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,117
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$329/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,444
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,542/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$413/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,778/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,540
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$395/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,133
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,248
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$482/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$462/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,214
−HK$620/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$593/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,141 · 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).