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$9,761
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$309/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,746/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,859
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$295/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,890/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,713
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$370/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,894/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,031
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$355/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,459
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,470/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,665
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,090
−HK$432/mo
Today · 4.125%
HK$14,522
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,044/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,202
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,610
−HK$414/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,048/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,569
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,116
−HK$555/mo
Today · 4.125%
HK$18,671
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,342/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,546
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,070
−HK$532/mo
Today · 4.125%
HK$20,602
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,204/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,214 · 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).