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$10,950
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$346/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,345
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,274/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,182
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$331/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,517
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,680/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,141
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,549
−HK$416/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$398/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,818/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,331
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$484/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,055
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$464/mo
Today · 4.125%
HK$17,977
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,954/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$623/mo
Today · 4.125%
HK$20,947
baseline
▲ 0.50% · 4.625%
HK$22,221
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,894/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,928
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,516
−HK$597/mo
Today · 4.125%
HK$23,113
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,226/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,730 · 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).