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$9,763
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$308/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$11,007
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,750/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,861
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$295/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,052
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,896/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,716
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$370/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,208
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,900/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,034
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$355/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,462
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,668
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$432/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,409
+HK$883/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,052/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,206
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$414/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$16,872
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$556/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,551
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$532/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$56,423 · 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).