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$10,091
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$319/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,448/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,226
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$306/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,666/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,109
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$382/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,651
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,471
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$366/mo
Today · 4.125%
HK$14,199
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$748/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,398/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,127
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,567
−HK$446/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,026/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,716
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,138
−HK$428/mo
Today · 4.125%
HK$16,566
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,132/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$574/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,477
+HK$1,174/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$550/mo
Today · 4.125%
HK$21,299
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,122/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,598/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,380 · 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).