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$10,927
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$345/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,224/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,156
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$331/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,626/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$415/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$397/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$810/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$483/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,019
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$463/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$946/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$621/mo
Today · 4.125%
HK$20,902
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,804/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,881
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,468
−HK$595/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,279
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,705 · 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).