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$10,097
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$319/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,233
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$306/mo
Today · 4.125%
HK$11,840
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,680/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,116
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$383/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,752/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$367/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$748/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,136
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$447/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$427/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$574/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,175/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$550/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,435
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,420 · 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).