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$9,783
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$310/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$11,029
+HK$632/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,794/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,884
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,176
−HK$296/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,076
+HK$604/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,944/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,740
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$371/mo
Today · 4.125%
HK$12,476
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,952/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,060
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$355/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$726/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,532/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,696
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$433/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,237
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$414/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,610
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$557/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$533/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,172 · 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).