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$10,909
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$344/mo
Today · 4.125%
HK$11,593
baseline
▲ 0.50% · 4.625%
HK$12,299
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,186/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,137
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$330/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,584/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,091
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$414/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,824/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$397/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,702/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,273
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$483/mo
Today · 4.125%
HK$16,231
baseline
▲ 0.50% · 4.625%
HK$17,218
+HK$987/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,462/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,991
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,447
−HK$462/mo
Today · 4.125%
HK$17,909
baseline
▲ 0.50% · 4.625%
HK$18,853
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,818/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,637
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$620/mo
Today · 4.125%
HK$20,868
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,270/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$41,736/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$594/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,214/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,926 · 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).