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$10,904
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$345/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,176/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,131
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$330/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,572/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,085
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,492
−HK$414/mo
Today · 4.125%
HK$13,906
baseline
▲ 0.50% · 4.625%
HK$14,752
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,812/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,557
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$396/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,741
−HK$482/mo
Today · 4.125%
HK$16,223
baseline
▲ 0.50% · 4.625%
HK$17,210
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,446/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,983
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$462/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$620/mo
Today · 4.125%
HK$20,858
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,270/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,716/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,421
−HK$594/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,702 · 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).