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$9,762
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$308/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,748/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,860
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$296/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,894/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,714
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,079
−HK$370/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,898/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,032
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$354/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$432/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,204
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$414/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,572
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$556/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,810
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$531/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,321 · 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).