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$10,949
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,289
−HK$346/mo
Today · 4.125%
HK$11,635
baseline
▲ 0.50% · 4.625%
HK$12,343
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,270/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,180
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$331/mo
Today · 4.125%
HK$12,838
baseline
▲ 0.50% · 4.625%
HK$13,515
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,676/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,138
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$415/mo
Today · 4.125%
HK$13,962
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,924/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,616
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,008
−HK$398/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,328
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,805
−HK$484/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,280
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,578/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,052
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$464/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$18,921
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,946/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,707
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,320
−HK$623/mo
Today · 4.125%
HK$20,943
baseline
▲ 0.50% · 4.625%
HK$22,218
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,886/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$597/mo
Today · 4.125%
HK$23,109
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,218/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,645 · 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).