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$10,886
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$345/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$703/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,138/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,110
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$330/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,530/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,063
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,469
−HK$413/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,727
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,764/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,532
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,922
−HK$396/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,636/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,240
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$482/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$462/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,595
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,204
−HK$619/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,267/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$593/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,212/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,897 · 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).