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$10,100
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$319/mo
Today · 4.125%
HK$10,733
baseline
▲ 0.50% · 4.625%
HK$11,386
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,466/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,236
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,537
−HK$306/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,467
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,686/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,120
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,497
−HK$383/mo
Today · 4.125%
HK$12,880
baseline
▲ 0.50% · 4.625%
HK$13,664
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,760/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,483
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,845
−HK$367/mo
Today · 4.125%
HK$14,212
baseline
▲ 0.50% · 4.625%
HK$14,961
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,424/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,140
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$447/mo
Today · 4.125%
HK$15,027
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,054/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,730
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,152
−HK$428/mo
Today · 4.125%
HK$16,580
baseline
▲ 0.50% · 4.625%
HK$17,454
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,160/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,745
−HK$575/mo
Today · 4.125%
HK$19,320
baseline
▲ 0.50% · 4.625%
HK$20,495
+HK$1,175/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,640/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,767
−HK$551/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,441
+HK$1,123/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,440 · 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).