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$9,773
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$309/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,772/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,872
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$296/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,920/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,728
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$371/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,926/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,047
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$355/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,682
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,108
−HK$432/mo
Today · 4.125%
HK$14,540
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,080/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,221
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$415/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$16,889
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,088/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,591
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$555/mo
Today · 4.125%
HK$18,694
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,388/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$532/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,280 · 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).