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$9,765
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$309/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,756/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,864
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$296/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,902/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,718
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$370/mo
Today · 4.125%
HK$12,453
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,906/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,036
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,386
−HK$355/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,465
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,671
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$432/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,413
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,058/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$414/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,124
−HK$556/mo
Today · 4.125%
HK$18,680
baseline
▲ 0.50% · 4.625%
HK$19,816
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,360/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,555
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$532/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,698
+HK$1,087/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,605 · 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).