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$9,772
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$309/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,770/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,872
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$296/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,918/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,727
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$370/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,924/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,046
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$355/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,681
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$432/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,078/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$415/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,590
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$556/mo
Today · 4.125%
HK$18,693
baseline
▲ 0.50% · 4.625%
HK$19,831
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,386/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,569
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$532/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,713
+HK$1,087/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,226 · 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).