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$10,096
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$319/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,382
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,232
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,533
−HK$306/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,678/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,116
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$383/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,659
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,752/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$367/mo
Today · 4.125%
HK$14,207
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,414/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,135
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$446/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,725
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$428/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,448
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,739
−HK$574/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,218
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,760
−HK$550/mo
Today · 4.125%
HK$21,310
baseline
▲ 0.50% · 4.625%
HK$22,434
+HK$1,124/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,620/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,417 · 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).