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$10,065
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,378
−HK$318/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$650/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,392/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,197
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,497
−HK$305/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,604/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,077
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$382/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,436
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$366/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$746/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,529
−HK$445/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,885
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,096
−HK$426/mo
Today · 4.125%
HK$16,522
baseline
▲ 0.50% · 4.625%
HK$17,393
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,044/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,116
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$572/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,172/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,154
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$548/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,207 · 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).