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$10,045
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$317/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,324
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,348/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,174
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$304/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,053
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,428
−HK$381/mo
Today · 4.125%
HK$12,809
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$780/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,618/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,409
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$365/mo
Today · 4.125%
HK$14,134
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$745/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,268/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,062
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$444/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$910/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,644
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$425/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$870/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$571/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,169/mo
Deposit HK$441K · loan HK$3.96M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,114
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$548/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,117/mo
Deposit HK$441K · loan HK$3.96M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,076 · 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).