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$10,028
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$317/mo
Today · 4.125%
HK$10,657
baseline
▲ 0.50% · 4.625%
HK$11,306
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,314/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,156
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$303/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,379
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,518/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,034
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$381/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,578/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,388
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$364/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,222/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,040
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$444/mo
Today · 4.125%
HK$14,920
baseline
▲ 0.50% · 4.625%
HK$15,828
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,840/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,619
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$425/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,051
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$570/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,350
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,082
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,620
−HK$547/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,282
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,969 · 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).