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$9,762
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$309/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,748/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,860
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$295/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,892/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,714
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$370/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,206
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,896/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,032
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$355/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,666
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$432/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,046/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$414/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$556/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$531/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,278 · 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).