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$10,962
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,303
−HK$346/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,358
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,298/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,195
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,522
−HK$332/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,531
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,708/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,154
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$416/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,634
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$398/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,237
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,346
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,824
−HK$485/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,301
+HK$992/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,073
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,530
−HK$465/mo
Today · 4.125%
HK$17,995
baseline
▲ 0.50% · 4.625%
HK$18,943
+HK$948/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$35,990/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$623/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,539
−HK$597/mo
Today · 4.125%
HK$23,136
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,272/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,219 · 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).