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$10,903
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$345/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,174/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,130
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$330/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,459
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,570/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,084
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$413/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,808/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,556
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$396/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,684/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,265
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$483/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$462/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$944/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,626
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,236
−HK$621/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,419
−HK$594/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,226
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,662 · 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).