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$10,068
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,381
−HK$319/mo
Today · 4.125%
HK$10,700
baseline
▲ 0.50% · 4.625%
HK$11,351
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,400/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,201
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$305/mo
Today · 4.125%
HK$11,806
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,612/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,082
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$382/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,680/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,441
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$365/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,334/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,096
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$446/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,960/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,102
−HK$426/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$872/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,056/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,123
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,687
−HK$572/mo
Today · 4.125%
HK$19,259
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,172/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$38,518/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,162
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$549/mo
Today · 4.125%
HK$21,251
baseline
▲ 0.50% · 4.625%
HK$22,371
+HK$1,120/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$42,502/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,232 · 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).