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$10,029
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$317/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,316/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,157
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$303/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,520/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,035
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,409
−HK$381/mo
Today · 4.125%
HK$12,790
baseline
▲ 0.50% · 4.625%
HK$13,568
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,580/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,389
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$364/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,856
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,041
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$443/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,829
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$425/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,332
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,614
−HK$571/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,352
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,083
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,622
−HK$546/mo
Today · 4.125%
HK$21,168
baseline
▲ 0.50% · 4.625%
HK$22,284
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,336/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,975 · 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).