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$10,957
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,298
−HK$346/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$709/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$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,190
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$332/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,526
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,698/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,149
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$415/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$851/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,946/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,628
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$398/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,231
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$485/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,066
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$464/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$623/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,275/mo
Deposit HK$481K · loan HK$4.32M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$597/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,219/mo
Deposit HK$481K · loan HK$4.32M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,033 · 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).