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$629/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$317/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,318
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,338/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,169
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$304/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,544/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,047
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$381/mo
Today · 4.125%
HK$12,803
baseline
▲ 0.50% · 4.625%
HK$13,582
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,606/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,403
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$365/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,254/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,055
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$444/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,846
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,874/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$425/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,071
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$571/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,169/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$547/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,117/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,043 · 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).