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$10,926
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,266
−HK$345/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,317
+HK$706/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,222/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,155
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,481
−HK$330/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,487
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,622/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,111
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$414/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$848/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,866/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,586
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$397/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,748/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,296
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$483/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,017
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$463/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$946/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,666
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,278
−HK$622/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,171
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,879
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$596/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,646 · 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).