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$10,084
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$319/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,434/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,219
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$305/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,650/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,101
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$382/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,643
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,720/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,463
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$366/mo
Today · 4.125%
HK$14,190
baseline
▲ 0.50% · 4.625%
HK$14,938
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,380/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,118
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$446/mo
Today · 4.125%
HK$15,003
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,006/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,706
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$427/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$872/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,110/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$573/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$550/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,407
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,338 · 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).