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$10,014
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$317/mo
Today · 4.125%
HK$10,642
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$647/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,284/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,140
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$303/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,484/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,017
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$379/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,540/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,369
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$364/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,834
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,182/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,020
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$443/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,805
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,798/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,597
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$424/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,306
+HK$867/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,878/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,025
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,586
−HK$569/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,321
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,053
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$545/mo
Today · 4.125%
HK$21,136
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,272/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,874 · 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).