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$10,026
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$317/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,310/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$303/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,514/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,032
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$380/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,564
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,572/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,385
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,744
−HK$364/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,216/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,037
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$443/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,825
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,616
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$425/mo
Today · 4.125%
HK$16,460
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,920/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,048
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$570/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,358/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$547/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,957 · 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).