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$10,921
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$345/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,212/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,149
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$331/mo
Today · 4.125%
HK$12,806
baseline
▲ 0.50% · 4.625%
HK$13,481
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,612/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,105
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$414/mo
Today · 4.125%
HK$13,927
baseline
▲ 0.50% · 4.625%
HK$14,774
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,854/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,579
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$397/mo
Today · 4.125%
HK$15,367
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,734/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,289
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$483/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$463/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,269
−HK$621/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$595/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,431 · 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).