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$10,065
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,378
−HK$318/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,392/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,197
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,498
−HK$304/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,604/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,078
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$381/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,437
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$366/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$746/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,091
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,529
−HK$446/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,950/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,676
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$426/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,046/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$572/mo
Today · 4.125%
HK$19,253
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,172/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,506/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$548/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,211 · 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).