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$10,092
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$318/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,377
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,448/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,227
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$305/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,666/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,110
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$382/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,472
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$367/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,400/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$446/mo
Today · 4.125%
HK$15,014
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,028/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$428/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,165
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$574/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$550/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,385 · 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).