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$10,077
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$319/mo
Today · 4.125%
HK$10,709
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,418/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,210
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,511
−HK$305/mo
Today · 4.125%
HK$11,816
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,632/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,092
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$383/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,453
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,813
−HK$366/mo
Today · 4.125%
HK$14,179
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,358/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,108
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,546
−HK$446/mo
Today · 4.125%
HK$14,992
baseline
▲ 0.50% · 4.625%
HK$15,905
+HK$913/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,984/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,695
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$427/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,086/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,138
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$573/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,179
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,720
−HK$549/mo
Today · 4.125%
HK$21,269
baseline
▲ 0.50% · 4.625%
HK$22,390
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,538/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,288 · 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).