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$10,936
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$345/mo
Today · 4.125%
HK$11,622
baseline
▲ 0.50% · 4.625%
HK$12,329
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,244/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,167
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$331/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,648/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,124
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$415/mo
Today · 4.125%
HK$13,947
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,894/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,600
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,992
−HK$397/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,778/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,311
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,787
−HK$484/mo
Today · 4.125%
HK$16,271
baseline
▲ 0.50% · 4.625%
HK$17,261
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,542/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,033
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,490
−HK$464/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$18,900
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,686
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$622/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$596/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,115 · 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).