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$10,081
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$319/mo
Today · 4.125%
HK$10,713
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,426/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,215
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$305/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,444
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,640/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,097
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$382/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,637
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,710/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,457
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,818
−HK$367/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,113
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,552
−HK$446/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,996/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$428/mo
Today · 4.125%
HK$16,549
baseline
▲ 0.50% · 4.625%
HK$17,421
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,098/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$574/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$549/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,398
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,313 · 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).