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$10,028
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$316/mo
Today · 4.125%
HK$10,656
baseline
▲ 0.50% · 4.625%
HK$11,305
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,312/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,156
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,455
−HK$303/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,516/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,033
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$381/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,576/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,387
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$364/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,039
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$444/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,838/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,618
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$425/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$571/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$546/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,965 · 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).