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$9,757
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$308/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,999
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,736/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,854
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$295/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,043
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,880/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,708
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,072
−HK$370/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,199
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,884/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,025
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$355/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,458/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,659
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$432/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$883/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,032/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,196
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,603
−HK$414/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,861
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,562
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,108
−HK$555/mo
Today · 4.125%
HK$18,663
baseline
▲ 0.50% · 4.625%
HK$19,799
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,326/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,537
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$532/mo
Today · 4.125%
HK$20,593
baseline
▲ 0.50% · 4.625%
HK$21,678
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,186/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,839 · 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).