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$9,760
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$309/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,744/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,858
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$295/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,888/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,712
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$370/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,203
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,892/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,029
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$355/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,466/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,664
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,089
−HK$431/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,040/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,201
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$414/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,044/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,567
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$555/mo
Today · 4.125%
HK$18,669
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,338/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$531/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,114 · 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).