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$10,933
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$346/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$706/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,238/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,163
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$331/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,640/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$414/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,884/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$397/mo
Today · 4.125%
HK$15,384
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,768/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,306
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$484/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,256
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,028
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,485
−HK$463/mo
Today · 4.125%
HK$17,948
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,896/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,679
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$622/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,273/mo
Deposit HK$479K · loan HK$4.32M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,893
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$596/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,216/mo
Deposit HK$479K · loan HK$4.32M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,960 · 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).