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$10,087
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$319/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,371
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,438/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,221
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$305/mo
Today · 4.125%
HK$11,827
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,654/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,104
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$383/mo
Today · 4.125%
HK$12,863
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,726/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,465
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$366/mo
Today · 4.125%
HK$14,193
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,386/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,121
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$447/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,920
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,014/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,710
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,131
−HK$427/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,431
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,116/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$573/mo
Today · 4.125%
HK$19,294
baseline
▲ 0.50% · 4.625%
HK$20,468
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,588/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$549/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,352 · 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).