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$10,929
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$346/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,230/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,159
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$331/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,632/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,115
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$415/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$397/mo
Today · 4.125%
HK$15,379
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,758/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$484/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$989/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$463/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,673
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$622/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,886
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$595/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,808 · 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).