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$683/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$345/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,281
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,154/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,119
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$330/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,548/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,072
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$413/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$845/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$27,784/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,543
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$395/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$808/mo
Deposit HK$1.91M · loan HK$2.87M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,251
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$482/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$987/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,422
−HK$461/mo
Today · 4.125%
HK$17,883
baseline
▲ 0.50% · 4.625%
HK$18,826
+HK$943/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,766/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,608
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$620/mo
Today · 4.125%
HK$20,838
baseline
▲ 0.50% · 4.625%
HK$22,106
+HK$1,268/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,676/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,814
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,399
−HK$594/mo
Today · 4.125%
HK$22,993
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,212/mo
Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$45,986/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$95,234 · 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).