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$10,040
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$318/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,319
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,340/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,170
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$304/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,546/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,048
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$381/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,583
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,608/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,404
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,763
−HK$365/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,872
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,256/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,056
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$445/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,847
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,876/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,637
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,057
−HK$425/mo
Today · 4.125%
HK$16,482
baseline
▲ 0.50% · 4.625%
HK$17,351
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,964/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$572/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,374
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,105
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$548/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,047 · 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).