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$10,072
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$318/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,406/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,205
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$305/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,433
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,620/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,086
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$382/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,626
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,688/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,446
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$366/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,344/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,101
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,539
−HK$446/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$426/mo
Today · 4.125%
HK$16,534
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,068/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,129
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$573/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$548/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,255 · 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).