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$10,081
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$319/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,428/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,215
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,516
−HK$305/mo
Today · 4.125%
HK$11,821
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,642/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,098
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$382/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,712/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,459
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$366/mo
Today · 4.125%
HK$14,186
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,372/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,114
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$446/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$913/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,702
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,123
−HK$427/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,147
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$573/mo
Today · 4.125%
HK$19,284
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,568/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,188
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$550/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,318 · 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).