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$10,947
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$346/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,266/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,178
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$331/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,672/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,136
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,544
−HK$416/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,809
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,920/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,614
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,005
−HK$398/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,215
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,325
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$484/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,277
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,572/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,049
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$464/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$18,917
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,704
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,317
−HK$622/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,214
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,920
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,508
−HK$597/mo
Today · 4.125%
HK$23,105
baseline
▲ 0.50% · 4.625%
HK$24,322
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,210/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,559 · 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).