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$10,902
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,241
−HK$345/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,291
+HK$705/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,172/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,129
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$330/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,458
+HK$674/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,568/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,083
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$413/mo
Today · 4.125%
HK$13,903
baseline
▲ 0.50% · 4.625%
HK$14,749
+HK$846/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,806/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$396/mo
Today · 4.125%
HK$15,341
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,682/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$482/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$987/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$462/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$944/mo
Deposit HK$1.43M · loan HK$3.35M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$621/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,269/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,832
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$594/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,213/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,615 · 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).