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$10,042
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$317/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,342/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,171
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$304/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,550/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,050
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$380/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,585
+HK$780/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,610/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,405
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$365/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,874
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,260/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,058
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$445/mo
Today · 4.125%
HK$14,940
baseline
▲ 0.50% · 4.625%
HK$15,849
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,880/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,640
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,059
−HK$426/mo
Today · 4.125%
HK$16,485
baseline
▲ 0.50% · 4.625%
HK$17,353
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,970/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$571/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,169/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,108
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$547/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,118/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,056 · 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).