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$9,779
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,083
−HK$309/mo
Today · 4.125%
HK$10,392
baseline
▲ 0.50% · 4.625%
HK$11,024
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,784/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,879
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$296/mo
Today · 4.125%
HK$11,466
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$605/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,932/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,734
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,099
−HK$371/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,229
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,940/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,054
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$356/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$725/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,520/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,690
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$433/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,434
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,098/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,230
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$414/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,106/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,149
−HK$556/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$57,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$532/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$57,777 · 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).