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$10,090
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$319/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,446/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,225
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$306/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,664/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,108
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$383/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,651
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,470
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,832
−HK$366/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,126
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,566
−HK$446/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,715
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$428/mo
Today · 4.125%
HK$16,565
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,130/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$574/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,206
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$549/mo
Today · 4.125%
HK$21,297
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,594/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,376 · 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).