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$9,786
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,090
−HK$309/mo
Today · 4.125%
HK$10,399
baseline
▲ 0.50% · 4.625%
HK$11,032
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,798/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,886
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$296/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,079
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,948/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,743
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,108
−HK$371/mo
Today · 4.125%
HK$12,479
baseline
▲ 0.50% · 4.625%
HK$13,238
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,958/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$355/mo
Today · 4.125%
HK$13,769
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$726/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,538/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,700
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$433/mo
Today · 4.125%
HK$14,559
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,118/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,241
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$414/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,128/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,614
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$556/mo
Today · 4.125%
HK$18,718
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,436/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,595
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,121
−HK$533/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,743
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,383 · 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).