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$9,767
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$309/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,760/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,866
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$296/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,906/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,721
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$371/mo
Today · 4.125%
HK$12,456
baseline
▲ 0.50% · 4.625%
HK$13,214
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,912/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,389
−HK$355/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$433/mo
Today · 4.125%
HK$14,532
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,064/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$414/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$555/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$1,137/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$532/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,702
+HK$1,087/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,778 · 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).