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$10,946
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$346/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,340
+HK$707/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$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,177
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$331/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,135
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,544
−HK$415/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,918/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,613
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,005
−HK$397/mo
Today · 4.125%
HK$15,402
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,804/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,325
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$485/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$990/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$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$922/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$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$623/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,213
+HK$1,274/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$97,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$597/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,321
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,540 · 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).