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$10,046
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,359
−HK$317/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,326
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,352/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,177
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,476
−HK$304/mo
Today · 4.125%
HK$11,780
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,560/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,056
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$381/mo
Today · 4.125%
HK$12,812
baseline
▲ 0.50% · 4.625%
HK$13,591
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,624/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,412
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$364/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$746/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,272/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,065
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$444/mo
Today · 4.125%
HK$14,947
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,894/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,647
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$426/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,084
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$572/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,169/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,118
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,657
−HK$548/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,117/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,088 · 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).