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$10,896
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$344/mo
Today · 4.125%
HK$11,579
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,158/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,122
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$330/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,554/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,075
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$413/mo
Today · 4.125%
HK$13,895
baseline
▲ 0.50% · 4.625%
HK$14,741
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,790/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,546
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,936
−HK$396/mo
Today · 4.125%
HK$15,332
baseline
▲ 0.50% · 4.625%
HK$16,140
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,664/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,255
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,729
−HK$482/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,198
+HK$987/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,422/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,971
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$461/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,830
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,774/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,613
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$620/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$22,111
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$594/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,346 · 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).