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$10,033
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$317/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,324/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,162
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,461
−HK$304/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,385
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,530/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,040
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$381/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,590/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,394
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$365/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,862
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,236/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,047
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$444/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$909/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,627
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$425/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,060
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$570/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,360
+HK$1,168/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$547/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$66,001 · 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).