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$10,890
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$345/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,146/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,115
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$329/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,538/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,068
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$413/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,774/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$395/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$482/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$462/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$620/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,267/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$594/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,211/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,065 · 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).