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$9,757
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$308/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,738/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,855
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,146
−HK$295/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,044
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,882/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,709
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$370/mo
Today · 4.125%
HK$12,443
baseline
▲ 0.50% · 4.625%
HK$13,200
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,886/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,026
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,375
−HK$355/mo
Today · 4.125%
HK$13,730
baseline
▲ 0.50% · 4.625%
HK$14,453
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,460/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,660
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$432/mo
Today · 4.125%
HK$14,517
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$883/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,034/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,197
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$414/mo
Today · 4.125%
HK$16,018
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,036/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,563
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,109
−HK$555/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,539
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$531/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,903 · 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).