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$9,762
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$309/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$11,006
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,750/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,861
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,152
−HK$295/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,894/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,715
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,079
−HK$371/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,900/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,033
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$355/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,474/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,093
−HK$431/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,205
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,613
−HK$413/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$16,871
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,572
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$555/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$1,137/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$532/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,357 · 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).