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$10,025
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$317/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,302
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,308/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,153
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$304/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,512/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,030
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$380/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,570/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$364/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,035
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$444/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,823
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,614
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,033
−HK$425/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,325
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$570/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$546/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,949 · 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).