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$10,968
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$347/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,312/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,202
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$332/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,722/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,162
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$416/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,838
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,974/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,642
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$398/mo
Today · 4.125%
HK$15,433
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,866/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,355
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$485/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,311
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,082
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,541
−HK$464/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,010/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$624/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,257
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,963
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$598/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,498 · 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).