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$10,937
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$346/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,246/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,167
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$331/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,650/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,124
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$414/mo
Today · 4.125%
HK$13,947
baseline
▲ 0.50% · 4.625%
HK$14,796
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,894/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,601
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,992
−HK$398/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,312
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$484/mo
Today · 4.125%
HK$16,272
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,544/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$464/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$622/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$595/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,140 · 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).