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$10,958
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$346/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,290/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,190
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$332/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,526
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,698/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,149
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$416/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$398/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,341
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,818
−HK$485/mo
Today · 4.125%
HK$16,303
baseline
▲ 0.50% · 4.625%
HK$17,295
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,606/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,067
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$465/mo
Today · 4.125%
HK$17,989
baseline
▲ 0.50% · 4.625%
HK$18,937
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,978/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$623/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,275/mo
Deposit HK$481K · loan HK$4.32M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$597/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,220/mo
Deposit HK$481K · loan HK$4.32M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,053 · 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).