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$10,909
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,248
−HK$345/mo
Today · 4.125%
HK$11,593
baseline
▲ 0.50% · 4.625%
HK$12,298
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,186/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,136
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$331/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,584/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,090
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$413/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,758
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,822/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,563
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$396/mo
Today · 4.125%
HK$15,350
baseline
▲ 0.50% · 4.625%
HK$16,159
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,700/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,272
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$483/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,218
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,990
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$462/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,247
−HK$620/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,270/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,845
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$595/mo
Today · 4.125%
HK$23,025
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,213/mo
Deposit HK$478K · loan HK$4.31M · min. income ≈ HK$46,050/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,900 · 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).