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$632/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$318/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,359
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,414/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,209
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$305/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,628/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,090
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$382/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,630
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,698/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,451
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,811
−HK$366/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$446/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,692
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$427/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$573/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$549/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,278 · 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).