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$10,088
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$319/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,442/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$306/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,106
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$382/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,730/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,468
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$366/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$749/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,390/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,124
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$446/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$427/mo
Today · 4.125%
HK$16,561
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,122/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,724
−HK$574/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,472
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,202
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,744
−HK$549/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,416
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,586/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,364 · 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).