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$10,956
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$346/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,286/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,189
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$331/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,694/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,147
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,556
−HK$416/mo
Today · 4.125%
HK$13,972
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,944/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,626
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,019
−HK$398/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,229
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,834/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$485/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,292
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$464/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$623/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$597/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,219/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,981 · 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).