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$10,957
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,298
−HK$346/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,288/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,189
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$332/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,696/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,148
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$416/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,823
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,946/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,627
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$398/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$484/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,523
−HK$464/mo
Today · 4.125%
HK$17,987
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,974/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$623/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,275/mo
Deposit HK$481K · loan HK$4.32M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$597/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,219/mo
Deposit HK$481K · loan HK$4.32M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,009 · 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).