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$10,963
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$347/mo
Today · 4.125%
HK$11,651
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,302/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,196
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$331/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,533
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,710/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,156
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$416/mo
Today · 4.125%
HK$13,981
baseline
▲ 0.50% · 4.625%
HK$14,832
+HK$851/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,962/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,636
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,028
−HK$398/mo
Today · 4.125%
HK$15,426
baseline
▲ 0.50% · 4.625%
HK$16,240
+HK$814/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,852/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,348
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$485/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$992/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$465/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$948/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,348
−HK$623/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$598/mo
Today · 4.125%
HK$23,140
baseline
▲ 0.50% · 4.625%
HK$24,359
+HK$1,219/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,280/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,288 · 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).