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$9,772
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$308/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$11,016
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,768/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,871
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$296/mo
Today · 4.125%
HK$11,458
baseline
▲ 0.50% · 4.625%
HK$12,062
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,916/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,726
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$370/mo
Today · 4.125%
HK$12,461
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$759/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,922/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,045
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$355/mo
Today · 4.125%
HK$13,750
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,500/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,680
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$432/mo
Today · 4.125%
HK$14,538
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,076/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,219
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,627
−HK$414/mo
Today · 4.125%
HK$16,041
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,082/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$556/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$1,137/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,092
−HK$533/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,087/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,164 · 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).