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$633/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$319/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,440/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,222
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,523
−HK$305/mo
Today · 4.125%
HK$11,828
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,656/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,104
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,481
−HK$383/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,728/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,466
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$367/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,122
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,561
−HK$446/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$914/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$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,710
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$427/mo
Today · 4.125%
HK$16,559
baseline
▲ 0.50% · 4.625%
HK$17,432
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,118/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,157
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$574/mo
Today · 4.125%
HK$19,295
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,590/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$549/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,355 · 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).