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$10,905
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,245
−HK$344/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,294
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,178/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,132
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$330/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,462
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,574/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,086
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$414/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,814/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$396/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,154
+HK$809/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,267
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$483/mo
Today · 4.125%
HK$16,225
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,450/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,985
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,440
−HK$462/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,846
+HK$944/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$620/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$22,130
+HK$1,270/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$594/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,214/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,749 · 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).