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$10,910
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$345/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,190/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,138
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$331/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,468
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$414/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,828/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$396/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,275
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$482/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,464/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,993
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$462/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$18,855
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,822/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$620/mo
Today · 4.125%
HK$20,870
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,270/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$41,740/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$594/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,214/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,975 · 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).