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$10,932
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$346/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,236/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,162
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$331/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,638/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$414/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,594
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$397/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,305
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$484/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$463/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,678
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,290
−HK$622/mo
Today · 4.125%
HK$20,912
baseline
▲ 0.50% · 4.625%
HK$22,185
+HK$1,273/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,824/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$595/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,291
+HK$1,217/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,933 · 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).