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$9,787
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$310/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$632/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,802/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,888
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,180
−HK$296/mo
Today · 4.125%
HK$11,476
baseline
▲ 0.50% · 4.625%
HK$12,081
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,952/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,744
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$371/mo
Today · 4.125%
HK$12,481
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$759/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,962/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,065
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,416
−HK$355/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,497
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,542/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,702
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,128
−HK$433/mo
Today · 4.125%
HK$14,561
baseline
▲ 0.50% · 4.625%
HK$15,447
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,122/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,243
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,652
−HK$414/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$16,913
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,132/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,164
−HK$557/mo
Today · 4.125%
HK$18,721
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,442/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,598
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$533/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,503 · 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).