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$10,940
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,280
−HK$346/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,252/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,170
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,497
−HK$331/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,504
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,656/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,128
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,536
−HK$415/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,800
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,902/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,604
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$397/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,205
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,316
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$484/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,266
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,552/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,038
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$464/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$18,906
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$622/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,200
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$596/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,258 · 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).