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$10,923
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$345/mo
Today · 4.125%
HK$11,608
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$706/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,216/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,152
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$330/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,616/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,108
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$415/mo
Today · 4.125%
HK$13,930
baseline
▲ 0.50% · 4.625%
HK$14,777
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,860/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,582
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$397/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,180
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,740/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,292
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$483/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,502/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,012
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$463/mo
Today · 4.125%
HK$17,932
baseline
▲ 0.50% · 4.625%
HK$18,877
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,864/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,661
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$621/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$22,166
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$595/mo
Today · 4.125%
HK$23,055
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,110/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,527 · 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).