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$10,961
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$347/mo
Today · 4.125%
HK$11,648
baseline
▲ 0.50% · 4.625%
HK$12,357
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,296/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,193
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,521
−HK$331/mo
Today · 4.125%
HK$12,852
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,704/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,153
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,562
−HK$415/mo
Today · 4.125%
HK$13,977
baseline
▲ 0.50% · 4.625%
HK$14,828
+HK$851/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,954/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,632
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,025
−HK$398/mo
Today · 4.125%
HK$15,423
baseline
▲ 0.50% · 4.625%
HK$16,236
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,846/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,345
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$485/mo
Today · 4.125%
HK$16,307
baseline
▲ 0.50% · 4.625%
HK$17,299
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,614/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,071
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$464/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$18,942
+HK$949/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,729
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,343
−HK$623/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,242
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,948
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$597/mo
Today · 4.125%
HK$23,134
baseline
▲ 0.50% · 4.625%
HK$24,354
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,268/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,172 · 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).