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$10,022
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$316/mo
Today · 4.125%
HK$10,650
baseline
▲ 0.50% · 4.625%
HK$11,298
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,300/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,149
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$304/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,504/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,026
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$380/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,560/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,379
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,738
−HK$364/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$443/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,820/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,609
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$424/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$571/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,166/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$546/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,926 · 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).