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$10,031
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,343
−HK$317/mo
Today · 4.125%
HK$10,660
baseline
▲ 0.50% · 4.625%
HK$11,309
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,320/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,160
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,459
−HK$304/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,383
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,526/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,038
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$380/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,584/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,392
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$364/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,230/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,044
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,481
−HK$443/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,833
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,624
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$425/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,936/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$571/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$547/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,988 · 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).