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$10,061
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$318/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,384/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,193
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$304/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,596/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,074
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$382/mo
Today · 4.125%
HK$12,831
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$781/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,662/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,432
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$366/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$14,904
+HK$746/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,316/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,086
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$445/mo
Today · 4.125%
HK$14,969
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,938/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,671
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$426/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,111
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$572/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$548/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,187 · 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).