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$10,038
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$317/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,334/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,167
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$303/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,540/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,046
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$381/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,580
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,602/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,401
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$365/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,053
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$444/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,868/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,634
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$426/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,958/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$571/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,169/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,402/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$547/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,032 · 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).