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$10,093
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$319/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,379
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,452/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,229
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,530
−HK$305/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,670/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,112
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$382/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,654
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,742/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,474
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$366/mo
Today · 4.125%
HK$14,202
baseline
▲ 0.50% · 4.625%
HK$14,951
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,404/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,130
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$446/mo
Today · 4.125%
HK$15,016
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,032/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,720
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$427/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,443
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,168
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$574/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,482
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$550/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,395 · 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).