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$10,079
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$319/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,363
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,424/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,213
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,514
−HK$305/mo
Today · 4.125%
HK$11,819
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,638/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,095
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$382/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,708/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,456
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$366/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,366/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,111
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,550
−HK$446/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$913/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,992/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,699
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,120
−HK$427/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,419
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$574/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,184
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$549/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,305 · 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).