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$10,901
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$344/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,168/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,127
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$330/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,564/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,081
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$413/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,802/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$395/mo
Today · 4.125%
HK$15,338
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,676/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$482/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,436/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,978
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,433
−HK$462/mo
Today · 4.125%
HK$17,895
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,790/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$621/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,704/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$594/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,545 · 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).