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$10,920
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,260
−HK$345/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,311
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,210/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,149
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$331/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,610/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,104
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,512
−HK$414/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,852/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$397/mo
Today · 4.125%
HK$15,366
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,732/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,288
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,764
−HK$483/mo
Today · 4.125%
HK$16,247
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,494/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,008
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$463/mo
Today · 4.125%
HK$17,927
baseline
▲ 0.50% · 4.625%
HK$18,872
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,854/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$621/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$595/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,398 · 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).