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$9,769
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,073
−HK$308/mo
Today · 4.125%
HK$10,381
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,762/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,868
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$296/mo
Today · 4.125%
HK$11,455
baseline
▲ 0.50% · 4.625%
HK$12,059
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,910/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,723
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,087
−HK$371/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,916/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,041
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$355/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,492/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,676
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$432/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,215
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$414/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$555/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,823
+HK$1,137/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$533/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,087/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,915 · 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).