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$10,914
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$345/mo
Today · 4.125%
HK$11,598
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,196/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,141
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$330/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,472
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,594/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,096
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$414/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,764
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,836/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$397/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,279
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$483/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,474/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,998
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$462/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,832/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,645
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$620/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$595/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,249
+HK$1,214/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,115 · 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).