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$10,898
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$345/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,164/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,124
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$330/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,558/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,078
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$413/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,796/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,549
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$396/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,143
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,670/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,258
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$482/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,974
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$462/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$620/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$594/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,440 · 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).