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$10,098
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,413
−HK$319/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,385
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,464/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,234
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$305/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$625/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,118
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,495
−HK$383/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,756/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,481
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$367/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,420/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,138
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$446/mo
Today · 4.125%
HK$15,024
baseline
▲ 0.50% · 4.625%
HK$15,939
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,048/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,728
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$428/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,452
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,156/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$574/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,493
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$551/mo
Today · 4.125%
HK$21,315
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,123/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,630/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,430 · 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).