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$10,086
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$319/mo
Today · 4.125%
HK$10,718
baseline
▲ 0.50% · 4.625%
HK$11,370
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,436/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,220
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$305/mo
Today · 4.125%
HK$11,826
baseline
▲ 0.50% · 4.625%
HK$12,450
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,652/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,103
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,479
−HK$383/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,724/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,464
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,825
−HK$367/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$14,940
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,120
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,559
−HK$446/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,708
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,130
−HK$427/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,154
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$574/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,196
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$550/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,346 · 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).