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$633/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$319/mo
Today · 4.125%
HK$10,731
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,462/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,233
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$305/mo
Today · 4.125%
HK$11,840
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,680/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,117
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$383/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,754/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,480
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$366/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,137
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$447/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,727
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$427/mo
Today · 4.125%
HK$16,576
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,152/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$574/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,491
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,762
−HK$551/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,123/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,424 · 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).