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$10,892
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$344/mo
Today · 4.125%
HK$11,575
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,150/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,117
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$330/mo
Today · 4.125%
HK$12,772
baseline
▲ 0.50% · 4.625%
HK$13,445
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,544/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,477
−HK$413/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$395/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,249
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,723
−HK$482/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,410/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,964
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,419
−HK$461/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$620/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$593/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,162 · 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).