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$10,045
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$318/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,324
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,350/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,175
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$304/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,054
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$381/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,620/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,410
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$365/mo
Today · 4.125%
HK$14,134
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,268/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,063
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$445/mo
Today · 4.125%
HK$14,945
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,890/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,645
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$426/mo
Today · 4.125%
HK$16,490
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,980/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$571/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,170/mo
Deposit HK$441K · loan HK$3.96M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$547/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,118/mo
Deposit HK$441K · loan HK$3.96M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,077 · 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).