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$9,761
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$308/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,746/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,859
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$296/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,892/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,713
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$370/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,896/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,031
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$355/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,459
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,470/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,666
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$432/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$883/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,046/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$413/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,869
+HK$845/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,048/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,570
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$555/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$532/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,245 · 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).