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$9,776
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$309/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$11,021
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,778/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,876
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$296/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,068
+HK$605/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,926/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,731
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$371/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,225
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,934/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,051
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$355/mo
Today · 4.125%
HK$13,756
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,512/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,686
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,112
−HK$433/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,430
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,226
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$415/mo
Today · 4.125%
HK$16,049
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,098/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,597
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,144
−HK$556/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,838
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$533/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,722
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,550 · 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).