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$10,914
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$345/mo
Today · 4.125%
HK$11,598
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,196/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,142
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$331/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,472
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,596/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,097
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$414/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,836/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$396/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$810/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,280
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$483/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,476/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,998
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$463/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,645
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$621/mo
Today · 4.125%
HK$20,877
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,754/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,855
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,441
−HK$595/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,129 · 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).