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$10,913
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$345/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$330/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$413/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,568
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$396/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$810/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$483/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,996
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$463/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$621/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$594/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,074 · 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).