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$10,959
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$346/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,355
+HK$709/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$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,192
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$332/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,528
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,151
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$416/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,826
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,952/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,630
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$398/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$485/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$464/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,340
−HK$624/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,239
+HK$1,275/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,534
−HK$597/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,350
+HK$1,219/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,111 · 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).