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$10,942
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$345/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,336
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,256/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,173
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,500
−HK$331/mo
Today · 4.125%
HK$12,831
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,662/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,131
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$415/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,803
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,908/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,608
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$397/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,796
−HK$484/mo
Today · 4.125%
HK$16,280
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,560/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$464/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$18,910
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,696
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$622/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,912
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$597/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,370 · 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).