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$10,101
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$319/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,468/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,237
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$306/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,688/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,121
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$383/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,664
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,762/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,484
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$367/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,426/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,141
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$447/mo
Today · 4.125%
HK$15,028
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,056/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,731
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$428/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,162/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,181
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$574/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$550/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,444 · 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).