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$9,770
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$309/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,766/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,869
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,160
−HK$296/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,912/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,724
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$370/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,918/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,043
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$355/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,494/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,678
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$433/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,072/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,216
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$414/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,586
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$556/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,826
+HK$1,137/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$57,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,089
−HK$532/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,087/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$57,011 · 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).