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$10,085
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$318/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,434/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,219
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$305/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,449
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,650/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,102
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$383/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,643
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,722/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,463
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$366/mo
Today · 4.125%
HK$14,190
baseline
▲ 0.50% · 4.625%
HK$14,938
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,380/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,119
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$446/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$428/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$872/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$574/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$550/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,340 · 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).