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$10,036
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$317/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,330/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,165
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$304/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,536/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,043
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,418
−HK$380/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,596/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,398
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$365/mo
Today · 4.125%
HK$14,122
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,244/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,050
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$445/mo
Today · 4.125%
HK$14,932
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,864/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,631
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$425/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$869/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,950/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,065
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,627
−HK$571/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,366
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$547/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,020 · 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).