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$10,064
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$318/mo
Today · 4.125%
HK$10,695
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,390/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,196
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$305/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,423
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,602/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,077
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$382/mo
Today · 4.125%
HK$12,834
baseline
▲ 0.50% · 4.625%
HK$13,615
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,668/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,435
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$365/mo
Today · 4.125%
HK$14,161
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,322/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$445/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$426/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,392
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,679
−HK$572/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,423
+HK$1,172/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$548/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,204 · 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).