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$10,925
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$345/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,317
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,220/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,154
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$331/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,622/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,110
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,518
−HK$414/mo
Today · 4.125%
HK$13,932
baseline
▲ 0.50% · 4.625%
HK$14,780
+HK$848/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,864/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,585
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$397/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,183
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,746/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,295
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,771
−HK$483/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$990/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,016
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,472
−HK$463/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$946/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,870/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,277
−HK$622/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,170
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,878
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$596/mo
Today · 4.125%
HK$23,060
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,120/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,623 · 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).