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$10,934
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$346/mo
Today · 4.125%
HK$11,620
baseline
▲ 0.50% · 4.625%
HK$12,327
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,240/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,164
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$330/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,497
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,642/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$415/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,888/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,597
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$397/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,197
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,772/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,308
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$484/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$463/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$18,896
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,682
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$622/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,483
−HK$596/mo
Today · 4.125%
HK$23,079
baseline
▲ 0.50% · 4.625%
HK$24,295
+HK$1,216/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,158/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,020 · 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).