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$9,767
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$308/mo
Today · 4.125%
HK$10,379
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$632/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$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,865
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$296/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,056
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,906/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,720
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$370/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$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$704/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$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$432/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$414/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,127
−HK$556/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,082
−HK$533/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,701
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,742 · 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).