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$10,949
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$346/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,272/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,181
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,508
−HK$331/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,516
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,678/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,548
−HK$415/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,813
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,926/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$398/mo
Today · 4.125%
HK$15,407
baseline
▲ 0.50% · 4.625%
HK$16,219
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,814/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,329
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$485/mo
Today · 4.125%
HK$16,291
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,582/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,054
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$464/mo
Today · 4.125%
HK$17,975
baseline
▲ 0.50% · 4.625%
HK$18,923
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,950/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,709
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$623/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,219
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,514
−HK$597/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,687 · 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).