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$10,080
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$318/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,364
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,424/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,214
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$305/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,443
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,640/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,096
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$382/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,637
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,710/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,457
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,818
−HK$366/mo
Today · 4.125%
HK$14,184
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,368/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,112
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$446/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$913/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$427/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$573/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$549/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,398
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,311 · 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).