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$9,782
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$309/mo
Today · 4.125%
HK$10,396
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$632/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,792/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,883
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,175
−HK$296/mo
Today · 4.125%
HK$11,471
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$604/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,942/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,739
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$371/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,234
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,950/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$355/mo
Today · 4.125%
HK$13,765
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$725/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,530/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$433/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$414/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,156
−HK$556/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,589
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$533/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,736
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,105 · 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).