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$10,960
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$347/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,294/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,192
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$332/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,152
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$415/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$851/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,952/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,631
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$398/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$485/mo
Today · 4.125%
HK$16,306
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,612/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$465/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,984/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$623/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$597/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,351
+HK$1,219/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,130 · 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).