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$10,095
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$319/mo
Today · 4.125%
HK$10,729
baseline
▲ 0.50% · 4.625%
HK$11,381
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,458/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,231
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$306/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,462
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,676/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,115
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$383/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,748/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,477
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$366/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,134
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$447/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,040/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,145
−HK$428/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,146/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,172
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$574/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,486
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$550/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,431
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,411 · 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).