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$10,897
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,236
−HK$345/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,285
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,162/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,123
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,448
−HK$330/mo
Today · 4.125%
HK$12,778
baseline
▲ 0.50% · 4.625%
HK$13,452
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,556/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,077
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$413/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,548
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$396/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,668/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,256
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$482/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,199
+HK$986/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,426/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,972
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$461/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,615
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$620/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$594/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,399 · 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).