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$10,056
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$318/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$650/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,374/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,188
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$304/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,584/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,068
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$381/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$781/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,648/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,425
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$366/mo
Today · 4.125%
HK$14,151
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$745/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,302/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$445/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,663
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,083
−HK$426/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$870/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,018/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,102
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,665
−HK$572/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,170/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,138
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$548/mo
Today · 4.125%
HK$21,226
baseline
▲ 0.50% · 4.625%
HK$22,345
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,452/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,154 · 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).