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$9,779
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$309/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,786/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,879
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$296/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,072
+HK$605/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,934/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,735
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$371/mo
Today · 4.125%
HK$12,471
baseline
▲ 0.50% · 4.625%
HK$13,230
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,942/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,055
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$356/mo
Today · 4.125%
HK$13,761
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$725/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,522/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,691
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,117
−HK$433/mo
Today · 4.125%
HK$14,550
baseline
▲ 0.50% · 4.625%
HK$15,435
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,100/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$414/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,603
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,150
−HK$557/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,845
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$57,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,583
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,108
−HK$533/mo
Today · 4.125%
HK$20,641
baseline
▲ 0.50% · 4.625%
HK$21,729
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,282/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$57,843 · 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).