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$10,944
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,285
−HK$346/mo
Today · 4.125%
HK$11,631
baseline
▲ 0.50% · 4.625%
HK$12,338
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,262/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,176
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,502
−HK$331/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,510
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,666/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$415/mo
Today · 4.125%
HK$13,957
baseline
▲ 0.50% · 4.625%
HK$14,806
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,914/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,611
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$397/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,212
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$484/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$464/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$18,914
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$622/mo
Today · 4.125%
HK$20,935
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,870/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$596/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,466 · 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).