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$9,775
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,079
−HK$309/mo
Today · 4.125%
HK$10,388
baseline
▲ 0.50% · 4.625%
HK$11,020
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,776/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,875
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$295/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$605/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,924/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,730
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$371/mo
Today · 4.125%
HK$12,466
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,932/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,400
−HK$355/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,685
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$433/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,088/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,225
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$414/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,595
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$556/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$532/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,481 · 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).