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$10,952
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$346/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,276/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,184
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$332/mo
Today · 4.125%
HK$12,842
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,684/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,142
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,551
−HK$415/mo
Today · 4.125%
HK$13,966
baseline
▲ 0.50% · 4.625%
HK$14,816
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,932/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$398/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,223
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,332
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$485/mo
Today · 4.125%
HK$16,294
baseline
▲ 0.50% · 4.625%
HK$17,285
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,588/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,515
−HK$464/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,713
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,326
−HK$623/mo
Today · 4.125%
HK$20,949
baseline
▲ 0.50% · 4.625%
HK$22,224
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,898/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,519
−HK$596/mo
Today · 4.125%
HK$23,115
baseline
▲ 0.50% · 4.625%
HK$24,334
+HK$1,219/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,230/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,783 · 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).