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$10,071
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,384
−HK$318/mo
Today · 4.125%
HK$10,702
baseline
▲ 0.50% · 4.625%
HK$11,353
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,404/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,203
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,504
−HK$305/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,618/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,085
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$382/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,624
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,444
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$366/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$746/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,099
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,537
−HK$446/mo
Today · 4.125%
HK$14,983
baseline
▲ 0.50% · 4.625%
HK$15,895
+HK$912/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,966/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,685
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$426/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,404
+HK$872/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$573/mo
Today · 4.125%
HK$19,264
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,172/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$38,528/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$549/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,120/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,247 · 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).