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$10,037
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$318/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,334/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,166
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$304/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,390
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,540/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,045
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$381/mo
Today · 4.125%
HK$12,800
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,600/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,400
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$364/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,868
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,052
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$444/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,633
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$425/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$571/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,638
−HK$547/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,302
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,027 · 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).