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$10,099
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,413
−HK$319/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,385
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,464/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,235
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$306/mo
Today · 4.125%
HK$11,842
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,684/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,119
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$383/mo
Today · 4.125%
HK$12,879
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,758/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,482
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,844
−HK$367/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,422/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,139
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$447/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,940
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$428/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,158/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,178
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$574/mo
Today · 4.125%
HK$19,318
baseline
▲ 0.50% · 4.625%
HK$20,494
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,636/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,223
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$550/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,439
+HK$1,123/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,434 · 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).