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$9,786
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,090
−HK$310/mo
Today · 4.125%
HK$10,400
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,800/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,887
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$296/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,950/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,743
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$371/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,960/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$355/mo
Today · 4.125%
HK$13,770
baseline
▲ 0.50% · 4.625%
HK$14,496
+HK$726/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,540/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,701
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$433/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,120/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$415/mo
Today · 4.125%
HK$16,065
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,130/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$557/mo
Today · 4.125%
HK$18,720
baseline
▲ 0.50% · 4.625%
HK$19,859
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,440/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$533/mo
Today · 4.125%
HK$20,655
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,310/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,431 · 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).