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$10,927
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,266
−HK$346/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,318
+HK$706/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,224/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,156
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$330/mo
Today · 4.125%
HK$12,812
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,624/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,112
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$414/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,868/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,587
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,978
−HK$397/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$810/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,297
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$484/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$463/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$946/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$621/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,880
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$595/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,684 · 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).