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$10,893
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$345/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,152/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,118
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$330/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,546/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,071
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$413/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,736
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$396/mo
Today · 4.125%
HK$15,327
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,654/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,250
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$482/mo
Today · 4.125%
HK$16,206
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,412/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,965
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$462/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,824
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,607
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$619/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$594/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,203
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,191 · 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).