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$10,075
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$318/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,412/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,208
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$305/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,626/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,089
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$383/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,696/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,449
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$366/mo
Today · 4.125%
HK$14,176
baseline
▲ 0.50% · 4.625%
HK$14,923
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,352/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,104
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$446/mo
Today · 4.125%
HK$14,989
baseline
▲ 0.50% · 4.625%
HK$15,901
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,978/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,691
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,112
−HK$427/mo
Today · 4.125%
HK$16,539
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$871/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,078/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$573/mo
Today · 4.125%
HK$19,271
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,542/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,174
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,715
−HK$549/mo
Today · 4.125%
HK$21,264
baseline
▲ 0.50% · 4.625%
HK$22,385
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,528/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,273 · 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).