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$9,766
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$309/mo
Today · 4.125%
HK$10,379
baseline
▲ 0.50% · 4.625%
HK$11,010
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,758/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,865
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$296/mo
Today · 4.125%
HK$11,452
baseline
▲ 0.50% · 4.625%
HK$12,056
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,904/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,720
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$371/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,910/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,038
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$355/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,467
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,486/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,673
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$432/mo
Today · 4.125%
HK$14,530
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$885/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,060/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,211
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$414/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$556/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$1,137/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,082
−HK$532/mo
Today · 4.125%
HK$20,614
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,228/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,712 · 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).