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$10,967
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$346/mo
Today · 4.125%
HK$11,655
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,310/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,201
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$332/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,538
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,720/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,161
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,570
−HK$416/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,972/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,641
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,034
−HK$398/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,246
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,354
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,832
−HK$485/mo
Today · 4.125%
HK$16,317
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,634/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,082
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$464/mo
Today · 4.125%
HK$18,004
baseline
▲ 0.50% · 4.625%
HK$18,953
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,008/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,741
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,355
−HK$624/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$598/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,471 · 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).