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$10,941
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$346/mo
Today · 4.125%
HK$11,627
baseline
▲ 0.50% · 4.625%
HK$12,335
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,254/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,172
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$331/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,506
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,658/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,129
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,538
−HK$415/mo
Today · 4.125%
HK$13,953
baseline
▲ 0.50% · 4.625%
HK$14,802
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,906/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,998
−HK$397/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$484/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,556/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$463/mo
Today · 4.125%
HK$17,961
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,922/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$623/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$596/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,317 · 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).