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$10,043
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$317/mo
Today · 4.125%
HK$10,672
baseline
▲ 0.50% · 4.625%
HK$11,322
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,344/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,172
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,472
−HK$304/mo
Today · 4.125%
HK$11,776
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,552/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,051
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$381/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,614/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,407
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$365/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,060
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$444/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,641
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,061
−HK$425/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,077
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$571/mo
Today · 4.125%
HK$19,210
baseline
▲ 0.50% · 4.625%
HK$20,379
+HK$1,169/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,420/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,110
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,649
−HK$547/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,314
+HK$1,118/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,062 · 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).