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$10,063
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,376
−HK$318/mo
Today · 4.125%
HK$10,694
baseline
▲ 0.50% · 4.625%
HK$11,345
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,388/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,195
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$304/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,600/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,076
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$381/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,666/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,434
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$365/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$14,907
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,089
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$445/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,883
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,674
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$426/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,114
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$572/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,152
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$548/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,199 · 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).