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$10,919
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$345/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,310
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,208/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,148
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$330/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,608/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,103
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$414/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,850/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,577
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$397/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,175
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,730/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,287
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,763
−HK$483/mo
Today · 4.125%
HK$16,246
baseline
▲ 0.50% · 4.625%
HK$17,234
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,492/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,007
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$463/mo
Today · 4.125%
HK$17,926
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,852/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$622/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$595/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,369 · 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).