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$10,960
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$346/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,294/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,193
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$331/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,152
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$415/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$851/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,952/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,631
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,024
−HK$398/mo
Today · 4.125%
HK$15,422
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,844/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,344
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$485/mo
Today · 4.125%
HK$16,306
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,612/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,070
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$465/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,984/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,728
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$624/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,275/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,947
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$597/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,136 · 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).