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$10,083
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$319/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,432/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,218
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,519
−HK$305/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,648/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,100
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$382/mo
Today · 4.125%
HK$12,859
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,718/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,461
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$367/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,378/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,117
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$446/mo
Today · 4.125%
HK$15,002
baseline
▲ 0.50% · 4.625%
HK$15,915
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,004/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,705
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$427/mo
Today · 4.125%
HK$16,553
baseline
▲ 0.50% · 4.625%
HK$17,426
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,106/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,150
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$573/mo
Today · 4.125%
HK$19,288
baseline
▲ 0.50% · 4.625%
HK$20,462
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,576/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,192
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,733
−HK$550/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,405
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,332 · 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).