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$10,891
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$344/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,278
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,148/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,116
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$330/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,444
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,542/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,069
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$413/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,778/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,539
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$396/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$807/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,247
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$482/mo
Today · 4.125%
HK$16,203
baseline
▲ 0.50% · 4.625%
HK$17,189
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,406/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,962
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,417
−HK$462/mo
Today · 4.125%
HK$17,879
baseline
▲ 0.50% · 4.625%
HK$18,821
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,758/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$620/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,267/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$593/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,116 · 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).