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$10,019
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,331
−HK$316/mo
Today · 4.125%
HK$10,647
baseline
▲ 0.50% · 4.625%
HK$11,295
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,294/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,146
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,445
−HK$303/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,367
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,496/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,023
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$380/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,554
+HK$777/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,554/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,375
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$364/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,027
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,463
−HK$443/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,604
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$424/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,894/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,034
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$570/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,063
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$546/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,907 · 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).