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$10,073
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,386
−HK$319/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,410/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,206
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$305/mo
Today · 4.125%
HK$11,812
baseline
▲ 0.50% · 4.625%
HK$12,434
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,624/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,088
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,464
−HK$382/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,692/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,447
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,808
−HK$366/mo
Today · 4.125%
HK$14,174
baseline
▲ 0.50% · 4.625%
HK$14,921
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,348/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$446/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,899
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$427/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$573/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,441
+HK$1,172/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,712
−HK$549/mo
Today · 4.125%
HK$21,261
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,522/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,263 · 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).