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$10,060
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$318/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$650/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,382/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,191
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,491
−HK$305/mo
Today · 4.125%
HK$11,796
baseline
▲ 0.50% · 4.625%
HK$12,418
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,592/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,072
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$382/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$780/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,658/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,430
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$365/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$746/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,310/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,084
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$445/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,877
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,934/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,668
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$426/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,107
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$572/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,144
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$548/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,175 · 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).