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$10,082
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$319/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,428/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,216
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,517
−HK$305/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,644/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,098
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$382/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,714/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,459
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$366/mo
Today · 4.125%
HK$14,186
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,372/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,115
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,554
−HK$446/mo
Today · 4.125%
HK$15,000
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$30,000/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,702
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$427/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,102/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,147
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$573/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,189
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$550/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,321 · 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).