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$10,043
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$317/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,346/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,173
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$304/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,554/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,052
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$381/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,616/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,408
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$365/mo
Today · 4.125%
HK$14,132
baseline
▲ 0.50% · 4.625%
HK$14,877
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,264/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,061
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$444/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$910/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,884/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,642
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$425/mo
Today · 4.125%
HK$16,487
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$870/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,974/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,078
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$572/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,381
+HK$1,169/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,424/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,112
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,651
−HK$547/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,316
+HK$1,118/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,068 · 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).