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$10,906
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$344/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,180/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,133
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$330/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,463
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,578/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,088
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,495
−HK$414/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,755
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,818/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,560
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$396/mo
Today · 4.125%
HK$15,347
baseline
▲ 0.50% · 4.625%
HK$16,156
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,694/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,744
−HK$483/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,214
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,987
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,442
−HK$462/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,848
+HK$944/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,242
−HK$621/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$22,132
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,840
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,426
−HK$594/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,233
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,801 · 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).