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$10,089
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,403
−HK$319/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,374
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,444/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,224
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$305/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,107
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$383/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,732/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,469
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,830
−HK$366/mo
Today · 4.125%
HK$14,196
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$749/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,392/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,124
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$446/mo
Today · 4.125%
HK$15,010
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,020/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,135
−HK$427/mo
Today · 4.125%
HK$16,562
baseline
▲ 0.50% · 4.625%
HK$17,435
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,124/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,160
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$574/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,203
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$549/mo
Today · 4.125%
HK$21,294
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,588/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,367 · 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).