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$10,928
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$345/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,320
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,226/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,157
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$331/mo
Today · 4.125%
HK$12,814
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,628/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$415/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,784
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,872/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,980
−HK$397/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$810/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,754/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$483/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$990/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$463/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$946/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,670
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$622/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,808/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$595/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,736 · 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).