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$10,072
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$319/mo
Today · 4.125%
HK$10,704
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,408/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,205
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,506
−HK$305/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,433
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,622/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,087
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$382/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,626
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,690/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,446
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,807
−HK$366/mo
Today · 4.125%
HK$14,173
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,346/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,101
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$445/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$427/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$871/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$573/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,172/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$549/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,380
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,257 · 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).