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$10,015
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,327
−HK$316/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,286/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,142
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,441
−HK$303/mo
Today · 4.125%
HK$11,744
baseline
▲ 0.50% · 4.625%
HK$12,363
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,488/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,018
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$380/mo
Today · 4.125%
HK$12,772
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$777/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,544/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,370
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,729
−HK$364/mo
Today · 4.125%
HK$14,093
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$742/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,186/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,021
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$444/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,807
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,599
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$424/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$867/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,882/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,027
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$570/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,055
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$546/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,882 · 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).