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$10,890
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$344/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,146/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,115
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$330/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,540/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,068
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$412/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,774/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$395/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$482/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$461/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,820
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,212
−HK$619/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$22,099
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,807
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$593/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,197
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,079 · 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).