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$10,076
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$319/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,359
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,416/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,209
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,510
−HK$305/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,438
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,630/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,091
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$382/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,631
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,698/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,451
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$366/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,356/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$446/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$427/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,701
−HK$573/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$549/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,282 · 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).