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$10,035
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$318/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,330/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,164
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$303/mo
Today · 4.125%
HK$11,767
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,534/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,042
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$380/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,594/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,397
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$365/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,242/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,049
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$444/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,860/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,630
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$425/mo
Today · 4.125%
HK$16,474
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,948/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$571/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$547/mo
Today · 4.125%
HK$21,181
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,362/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,015 · 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).