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$684/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$345/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,170/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,127
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$330/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,081
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$414/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,804/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,553
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$396/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,148
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,262
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$483/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$986/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,978
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$462/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,839
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,792/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,622
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$620/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,269/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$95,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,829
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$594/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,221
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,018/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,564 · 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).