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$10,899
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$345/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$704/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$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,125
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$330/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,560/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,079
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$413/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,550
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$396/mo
Today · 4.125%
HK$15,336
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,672/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$483/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$986/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$462/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$943/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$620/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,825
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,411
−HK$593/mo
Today · 4.125%
HK$23,004
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,008/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,476 · 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).