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$10,094
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,408
−HK$319/mo
Today · 4.125%
HK$10,727
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,454/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,229
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,531
−HK$305/mo
Today · 4.125%
HK$11,836
baseline
▲ 0.50% · 4.625%
HK$12,460
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,672/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,113
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$383/mo
Today · 4.125%
HK$12,872
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,744/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,475
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$366/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,406/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,131
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$447/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$427/mo
Today · 4.125%
HK$16,570
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,140/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,169
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$574/mo
Today · 4.125%
HK$19,308
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,616/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$550/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,400 · 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).