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$10,918
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,258
−HK$345/mo
Today · 4.125%
HK$11,603
baseline
▲ 0.50% · 4.625%
HK$12,309
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,206/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,146
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$330/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,604/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,102
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$414/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,575
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$397/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,285
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$483/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,232
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,488/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,005
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$462/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$621/mo
Today · 4.125%
HK$20,885
baseline
▲ 0.50% · 4.625%
HK$22,156
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,770/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,863
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$595/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,259
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,307 · 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).