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$10,025
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$317/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,301
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,306/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,152
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$304/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,510/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,030
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$380/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,568/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,383
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$364/mo
Today · 4.125%
HK$14,106
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,212/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,034
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$444/mo
Today · 4.125%
HK$14,915
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,830/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,613
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$425/mo
Today · 4.125%
HK$16,457
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,914/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$570/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$546/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,945 · 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).