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$95,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,121
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$329/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,552/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,333 · 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$14,740
+HK$845/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$95,333 · 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$95,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,254
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,729
−HK$482/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$986/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$95,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$462/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$95,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,612
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$619/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$22,111
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$593/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,333 · 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).