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$10,075
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$319/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,414/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,208
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$305/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,628/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,090
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$382/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,630
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,696/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,450
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,811
−HK$366/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$14,924
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,105
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$446/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,692
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$427/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,411
+HK$871/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,135
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$573/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,445
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,175
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,716
−HK$549/mo
Today · 4.125%
HK$21,265
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,530/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,277 · 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).