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$10,024
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$317/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,301
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,306/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,152
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$303/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,508/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,029
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$380/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,561
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$364/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,034
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$444/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,828/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,612
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$425/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,043
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$571/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,166/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$546/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,940 · 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).