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$10,069
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,383
−HK$318/mo
Today · 4.125%
HK$10,701
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,402/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,202
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$305/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,430
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,614/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,083
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$382/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,682/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,442
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$366/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,097
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$445/mo
Today · 4.125%
HK$14,981
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$912/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,962/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,683
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$427/mo
Today · 4.125%
HK$16,530
baseline
▲ 0.50% · 4.625%
HK$17,401
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,060/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,689
−HK$572/mo
Today · 4.125%
HK$19,261
baseline
▲ 0.50% · 4.625%
HK$20,433
+HK$1,172/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$38,522/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,164
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,704
−HK$549/mo
Today · 4.125%
HK$21,253
baseline
▲ 0.50% · 4.625%
HK$22,373
+HK$1,120/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$42,506/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,239 · 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).