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$10,049
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$318/mo
Today · 4.125%
HK$10,679
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,358/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,179
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$304/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,566/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,059
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$381/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,594
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,630/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,415
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$365/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$14,885
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,280/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,068
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$445/mo
Today · 4.125%
HK$14,951
baseline
▲ 0.50% · 4.625%
HK$15,860
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,902/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,651
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$425/mo
Today · 4.125%
HK$16,496
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$870/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,992/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$572/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,170/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$548/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,118/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,104 · 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).