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$10,039
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$317/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,336/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,168
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$304/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,542/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,046
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,421
−HK$381/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,604/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,401
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$364/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,870
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,054
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,491
−HK$444/mo
Today · 4.125%
HK$14,935
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,870/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,635
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$426/mo
Today · 4.125%
HK$16,480
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,960/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,070
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$571/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,102
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$547/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,376/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,037 · 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).