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$10,089
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,403
−HK$319/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,444/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,224
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$306/mo
Today · 4.125%
HK$11,831
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,662/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,107
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$383/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,469
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$366/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,394/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,125
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$446/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,714
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$427/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$574/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$549/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,371 · 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).