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$10,889
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$344/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,142/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,113
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$330/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,441
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,536/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,066
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$413/mo
Today · 4.125%
HK$13,886
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,772/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,536
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,926
−HK$395/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,129
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,642/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,244
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$482/mo
Today · 4.125%
HK$16,200
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,400/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,959
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$461/mo
Today · 4.125%
HK$17,875
baseline
▲ 0.50% · 4.625%
HK$18,817
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,750/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,599
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$619/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,804
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$593/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,015 · 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).