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$10,930
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$346/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,323
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,232/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,160
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$331/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,634/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,116
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$415/mo
Today · 4.125%
HK$13,939
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,878/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,592
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$397/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,191
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,302
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$484/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,524/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,024
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,480
−HK$464/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$18,889
+HK$945/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$621/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,181
+HK$1,273/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$595/mo
Today · 4.125%
HK$23,070
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,140/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,848 · 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).