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$10,033
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$317/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,324/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,161
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,461
−HK$303/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,528/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,039
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$380/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,394
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$364/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,234/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,046
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$444/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,626
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$425/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$570/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$547/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,998 · 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).