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$9,768
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$309/mo
Today · 4.125%
HK$10,381
baseline
▲ 0.50% · 4.625%
HK$11,012
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,762/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,867
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,158
−HK$296/mo
Today · 4.125%
HK$11,454
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,908/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,722
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$371/mo
Today · 4.125%
HK$12,457
baseline
▲ 0.50% · 4.625%
HK$13,215
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,914/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,040
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$355/mo
Today · 4.125%
HK$13,745
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,490/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,675
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,101
−HK$432/mo
Today · 4.125%
HK$14,533
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,066/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,214
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$414/mo
Today · 4.125%
HK$16,036
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,072/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,583
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$556/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,822
+HK$1,137/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,560
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$532/mo
Today · 4.125%
HK$20,617
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,087/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$41,234/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,852 · 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).