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$10,041
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$317/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,340/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,170
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$304/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,049
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$380/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,583
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,608/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,404
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,764
−HK$364/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,256/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,057
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$444/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,847
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,876/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,638
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$425/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,966/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$572/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,414/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,106
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$548/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,050 · 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).