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$10,025
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$317/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,302
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,308/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,153
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$303/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,510/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,030
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$380/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,568/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,383
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$364/mo
Today · 4.125%
HK$14,106
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,212/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,035
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$443/mo
Today · 4.125%
HK$14,915
baseline
▲ 0.50% · 4.625%
HK$15,823
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,830/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,614
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$425/mo
Today · 4.125%
HK$16,457
baseline
▲ 0.50% · 4.625%
HK$17,325
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,914/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$571/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,166/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$546/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,947 · 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).