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$10,894
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$345/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,156/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,120
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$330/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,550/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,073
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$413/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,544
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$396/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,252
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$482/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,968
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$462/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,827
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,610
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,220
−HK$620/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$22,108
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,816
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$594/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,275 · 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).