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$9,789
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,093
−HK$310/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,806/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,890
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,182
−HK$296/mo
Today · 4.125%
HK$11,478
baseline
▲ 0.50% · 4.625%
HK$12,083
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,956/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,746
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,112
−HK$371/mo
Today · 4.125%
HK$12,483
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,966/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,068
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,418
−HK$356/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,548/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,704
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$434/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,450
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$414/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,138/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,168
−HK$557/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,864
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,127
−HK$534/mo
Today · 4.125%
HK$20,661
baseline
▲ 0.50% · 4.625%
HK$21,750
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,322/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,661 · 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).