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$10,933
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$345/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,236/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,162
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$331/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,640/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$415/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,884/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$397/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,306
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$484/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$989/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$463/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,679
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$622/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,185
+HK$1,272/mo
Deposit HK$479K · loan HK$4.32M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$595/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,217/mo
Deposit HK$479K · loan HK$4.32M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,948 · 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).