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$9,788
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$310/mo
Today · 4.125%
HK$10,402
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,804/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,889
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$296/mo
Today · 4.125%
HK$11,477
baseline
▲ 0.50% · 4.625%
HK$12,082
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,954/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,746
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$371/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,242
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,964/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,067
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$356/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,703
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$433/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$887/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,124/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,653
−HK$415/mo
Today · 4.125%
HK$16,068
baseline
▲ 0.50% · 4.625%
HK$16,915
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,136/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,618
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$557/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$533/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,598 · 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).