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$10,059
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$318/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$650/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,380/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,190
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$305/mo
Today · 4.125%
HK$11,795
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,590/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,071
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$382/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$780/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,656/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$365/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$14,900
+HK$746/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,308/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,082
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$445/mo
Today · 4.125%
HK$14,965
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,930/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,666
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,087
−HK$426/mo
Today · 4.125%
HK$16,513
baseline
▲ 0.50% · 4.625%
HK$17,383
+HK$870/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,026/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$572/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$548/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,170 · 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).