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$10,015
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$317/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$647/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,286/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,141
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$303/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,362
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,486/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,018
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$380/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,548
+HK$777/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,542/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,369
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,728
−HK$364/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,834
+HK$742/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,184/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,020
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$443/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,800/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,598
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$424/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$867/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,026
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$570/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,322
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,592
−HK$546/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,879 · 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).