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$10,037
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$317/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,315
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,332/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,166
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,465
−HK$304/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,538/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,044
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$380/mo
Today · 4.125%
HK$12,799
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,598/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,399
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,758
−HK$365/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,051
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$445/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,632
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$426/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,066
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$571/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,398/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$547/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,024 · 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).