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$10,088
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$319/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,440/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,222
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,523
−HK$306/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,658/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,105
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$382/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,728/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,467
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$366/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$749/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$446/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$427/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$573/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,200
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,742
−HK$550/mo
Today · 4.125%
HK$21,292
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,584/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,359 · 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).