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$10,958
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$347/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,292/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,191
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$332/mo
Today · 4.125%
HK$12,850
baseline
▲ 0.50% · 4.625%
HK$13,527
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,700/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,150
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$416/mo
Today · 4.125%
HK$13,975
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,950/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,022
−HK$398/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,342
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,819
−HK$485/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,296
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,608/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,525
−HK$465/mo
Today · 4.125%
HK$17,990
baseline
▲ 0.50% · 4.625%
HK$18,938
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,980/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$623/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,533
−HK$597/mo
Today · 4.125%
HK$23,130
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,219/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,260/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,078 · 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).