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$9,771
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,075
−HK$308/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$632/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$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,870
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,161
−HK$296/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,914/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,725
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$370/mo
Today · 4.125%
HK$12,460
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$758/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,920/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,044
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,394
−HK$355/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,498/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,679
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,105
−HK$432/mo
Today · 4.125%
HK$14,537
baseline
▲ 0.50% · 4.625%
HK$15,421
+HK$884/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,074/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,218
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$414/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$845/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$556/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$1,137/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$533/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,087/mo
Deposit HK$428K · loan HK$3.86M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,085 · 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).