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$10,962
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,303
−HK$347/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,300/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,195
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$331/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,708/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,155
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,564
−HK$416/mo
Today · 4.125%
HK$13,980
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,960/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,635
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,027
−HK$398/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,347
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,825
−HK$485/mo
Today · 4.125%
HK$16,310
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$992/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,620/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,074
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,532
−HK$464/mo
Today · 4.125%
HK$17,996
baseline
▲ 0.50% · 4.625%
HK$18,945
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$35,992/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,732
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,346
−HK$624/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,275/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,541
−HK$597/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,219/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,249 · 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).