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$11,281
−HK$345/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$708/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$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,171
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$331/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,658/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,128
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$415/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,904/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,605
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,997
−HK$397/mo
Today · 4.125%
HK$15,394
baseline
▲ 0.50% · 4.625%
HK$16,206
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,788/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$484/mo
Today · 4.125%
HK$16,277
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,554/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$463/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,693
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$623/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$596/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,289 · 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).