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$10,052
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$318/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,333
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,366/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,183
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$304/mo
Today · 4.125%
HK$11,787
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,574/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,063
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$381/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$780/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,638/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,420
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$366/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$745/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,290/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,073
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$445/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,656
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$426/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$870/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,004/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,094
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$572/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,399
+HK$1,170/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,458/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$548/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,118/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,126 · 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).