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$9,760
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$308/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,744/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,858
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$296/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,048
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,890/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,712
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$370/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,204
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,894/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$355/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,664
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,089
−HK$432/mo
Today · 4.125%
HK$14,521
baseline
▲ 0.50% · 4.625%
HK$15,405
+HK$884/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,042/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,201
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,609
−HK$414/mo
Today · 4.125%
HK$16,023
baseline
▲ 0.50% · 4.625%
HK$16,867
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,046/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$555/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,806
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$531/mo
Today · 4.125%
HK$20,600
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,200/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,159 · 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).