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$10,930
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$345/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,230/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,159
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$331/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,632/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,116
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$414/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$397/mo
Today · 4.125%
HK$15,379
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,758/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,302
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$483/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,480
−HK$463/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$945/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$621/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$595/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,823 · 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).