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$10,966
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$347/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$98,411 · 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$13,536
+HK$677/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$98,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,159
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$415/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,968/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,639
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$398/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,352
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$485/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,079
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$465/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$18,951
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,739
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$624/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,959
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$598/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,411 · 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).