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$10,096
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$319/mo
Today · 4.125%
HK$10,729
baseline
▲ 0.50% · 4.625%
HK$11,382
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,458/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,232
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,533
−HK$305/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,462
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,676/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,115
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,492
−HK$383/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,478
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$367/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$14,955
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,134
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$447/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$428/mo
Today · 4.125%
HK$16,574
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,148/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,173
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$574/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,759
−HK$550/mo
Today · 4.125%
HK$21,309
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,618/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,414 · 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).