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$10,956
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$347/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,288/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,189
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$331/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,694/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,148
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$415/mo
Today · 4.125%
HK$13,972
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,944/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,627
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,019
−HK$398/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,834/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$485/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$464/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$949/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$623/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,276/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$596/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,219/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,993 · 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).