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$10,916
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$345/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,202/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,144
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,470
−HK$331/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,475
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,602/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$414/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$847/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,842/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,573
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,964
−HK$397/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,283
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,758
−HK$483/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,482/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,002
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$463/mo
Today · 4.125%
HK$17,921
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$944/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,842/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$621/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,270/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$595/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,255
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,236 · 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).