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$10,032
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$317/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,324/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,161
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$304/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,528/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,039
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,413
−HK$381/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,572
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,393
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,752
−HK$365/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,234/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,045
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$444/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,834
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,625
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$426/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,058
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$571/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$546/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,996 · 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).