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$10,955
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$346/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,284/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,187
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$332/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,692/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,146
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$415/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,821
+HK$851/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,625
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$398/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,228
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$485/mo
Today · 4.125%
HK$16,299
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,598/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$464/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,719
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$624/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,912/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,526
−HK$597/mo
Today · 4.125%
HK$23,123
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,246/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,932 · 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).