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$10,018
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,330
−HK$316/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,292/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,145
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,444
−HK$303/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,494/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,022
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,396
−HK$379/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,550/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,374
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$363/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,192/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,025
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$444/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,810/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,021
−HK$425/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,892/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,032
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$570/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,061
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,599
−HK$546/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,290/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,901 · 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).