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$10,063
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,376
−HK$318/mo
Today · 4.125%
HK$10,694
baseline
▲ 0.50% · 4.625%
HK$11,344
+HK$650/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,388/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,195
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,495
−HK$304/mo
Today · 4.125%
HK$11,799
baseline
▲ 0.50% · 4.625%
HK$12,421
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,598/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,075
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,451
−HK$381/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,613
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,664/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,433
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$365/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$14,906
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,318/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,088
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$445/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,882
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,942/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,672
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,093
−HK$426/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,390
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,113
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$573/mo
Today · 4.125%
HK$19,249
baseline
▲ 0.50% · 4.625%
HK$20,420
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,498/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$548/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,194 · 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).