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$10,050
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$317/mo
Today · 4.125%
HK$10,680
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,360/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,181
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$305/mo
Today · 4.125%
HK$11,785
baseline
▲ 0.50% · 4.625%
HK$12,406
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,570/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,060
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$381/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$780/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,632/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,417
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$365/mo
Today · 4.125%
HK$14,142
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,284/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,070
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$444/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,653
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,073
−HK$426/mo
Today · 4.125%
HK$16,499
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$869/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$32,998/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$572/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,169/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$547/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,112 · 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).