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$10,058
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$317/mo
Today · 4.125%
HK$10,688
baseline
▲ 0.50% · 4.625%
HK$11,339
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,376/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,189
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$305/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$621/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,588/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,069
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$381/mo
Today · 4.125%
HK$12,826
baseline
▲ 0.50% · 4.625%
HK$13,607
+HK$781/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,652/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,427
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,787
−HK$365/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$14,898
+HK$746/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,304/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,081
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$445/mo
Today · 4.125%
HK$14,964
baseline
▲ 0.50% · 4.625%
HK$15,874
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,928/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,665
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$426/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,382
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$572/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$548/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,163 · 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).