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$9,773
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$309/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,772/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,873
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$296/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,920/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,728
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$370/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$759/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,926/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,047
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$355/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$725/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,683
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,108
−HK$433/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,222
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,630
−HK$414/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,088/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$556/mo
Today · 4.125%
HK$18,695
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,390/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$532/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,087/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,256/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,307 · 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).