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$10,047
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,360
−HK$318/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,327
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,356/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,178
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$305/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,403
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,564/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,057
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$381/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$780/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,626/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,413
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$365/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,276/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,066
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,504
−HK$445/mo
Today · 4.125%
HK$14,949
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,898/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,649
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,068
−HK$426/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,364
+HK$870/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,988/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$572/mo
Today · 4.125%
HK$19,220
baseline
▲ 0.50% · 4.625%
HK$20,389
+HK$1,169/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,440/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$548/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,118/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,095 · 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).