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$9,758
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$309/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,740/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,855
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$295/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,045
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,884/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,709
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$370/mo
Today · 4.125%
HK$12,444
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,888/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,027
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,376
−HK$354/mo
Today · 4.125%
HK$13,730
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,460/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,661
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$432/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,401
+HK$883/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$29,036/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,198
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$414/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$844/mo
Deposit HK$1.28M · loan HK$3.00M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,564
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$555/mo
Today · 4.125%
HK$18,665
baseline
▲ 0.50% · 4.625%
HK$19,801
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,330/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$532/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,953 · 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).