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$10,034
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$317/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,312
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,326/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,162
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$303/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,530/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,040
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,415
−HK$380/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,590/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,395
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$364/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,236/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,047
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$444/mo
Today · 4.125%
HK$14,928
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,856/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,627
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$426/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,340
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$571/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,092
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,631
−HK$547/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,294
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,004 · 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).