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$10,034
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$317/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,312
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,326/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,163
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$304/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,532/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,041
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$380/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,395
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$364/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,238/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,048
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,485
−HK$444/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,837
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,628
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$425/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,341
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$571/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,093
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,632
−HK$547/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,358/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,007 · 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).