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$9,785
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,089
−HK$309/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,796/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,885
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$296/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,078
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,946/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,107
−HK$371/mo
Today · 4.125%
HK$12,478
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,956/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,062
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$355/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,494
+HK$726/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,698
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$432/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,443
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,114/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,239
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$415/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,612
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$557/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,594
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$533/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,303 · 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).