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$9,764
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$309/mo
Today · 4.125%
HK$10,377
baseline
▲ 0.50% · 4.625%
HK$11,008
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,754/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,863
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$296/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,900/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,717
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,082
−HK$370/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,210
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,904/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,035
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$354/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,478/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,670
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$432/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,411
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,208
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$413/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,058/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$556/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,814
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,356/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,077
−HK$532/mo
Today · 4.125%
HK$20,609
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,218/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,518 · 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).