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$10,967
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$346/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,363
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,308/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,200
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$332/mo
Today · 4.125%
HK$12,859
baseline
▲ 0.50% · 4.625%
HK$13,537
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,718/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,160
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$416/mo
Today · 4.125%
HK$13,985
baseline
▲ 0.50% · 4.625%
HK$14,836
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,970/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,640
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,033
−HK$398/mo
Today · 4.125%
HK$15,431
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,862/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,353
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$485/mo
Today · 4.125%
HK$16,316
baseline
▲ 0.50% · 4.625%
HK$17,309
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,632/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,080
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,538
−HK$465/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$18,952
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,740
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$624/mo
Today · 4.125%
HK$20,978
baseline
▲ 0.50% · 4.625%
HK$22,254
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,956/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$598/mo
Today · 4.125%
HK$23,147
baseline
▲ 0.50% · 4.625%
HK$24,367
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,294/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,434 · 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).