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$10,900
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$344/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,288
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,166/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,126
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,451
−HK$330/mo
Today · 4.125%
HK$12,781
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,562/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,080
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$413/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,746
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,800/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,551
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,941
−HK$396/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,146
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,674/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,260
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$483/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,203
+HK$986/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,976
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$462/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,837
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$620/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,827
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$594/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,219
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,510 · 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).