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$10,941
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$346/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,335
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,256/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,172
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$331/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,506
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,660/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,130
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,538
−HK$415/mo
Today · 4.125%
HK$13,953
baseline
▲ 0.50% · 4.625%
HK$14,802
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,906/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,607
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,998
−HK$398/mo
Today · 4.125%
HK$15,396
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,792/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,318
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$485/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$464/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$623/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,203
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,910
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$596/mo
Today · 4.125%
HK$23,094
baseline
▲ 0.50% · 4.625%
HK$24,311
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,188/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,332 · 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).