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$10,904
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$344/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,174/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,130
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$330/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,572/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,084
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$414/mo
Today · 4.125%
HK$13,905
baseline
▲ 0.50% · 4.625%
HK$14,751
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,810/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,556
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$396/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,265
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$482/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,438
−HK$462/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,627
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$620/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$594/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,678 · 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).