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$9,759
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$308/mo
Today · 4.125%
HK$10,371
baseline
▲ 0.50% · 4.625%
HK$11,002
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,742/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,857
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,148
−HK$296/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,888/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,711
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,075
−HK$370/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,203
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,890/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,028
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$354/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,456
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,663
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$432/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$883/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,040/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$414/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,566
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$555/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,336/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,543
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$531/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,684
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,070 · 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).