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$9,774
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$309/mo
Today · 4.125%
HK$10,387
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,774/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,874
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$296/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,922/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,729
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$371/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,930/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,048
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,398
−HK$355/mo
Today · 4.125%
HK$13,753
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,506/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,684
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,109
−HK$433/mo
Today · 4.125%
HK$14,542
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,084/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,223
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,631
−HK$415/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$556/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$1,137/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$532/mo
Today · 4.125%
HK$20,630
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,087/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,260/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,387 · 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).