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$10,929
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$345/mo
Today · 4.125%
HK$11,614
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,228/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,158
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$330/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,630/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,115
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$414/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,590
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$397/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$483/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$464/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$945/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,672
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$622/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,885
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$596/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,792 · 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).