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$10,022
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$317/mo
Today · 4.125%
HK$10,651
baseline
▲ 0.50% · 4.625%
HK$11,299
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,302/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,150
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,449
−HK$303/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,504/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,027
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,401
−HK$380/mo
Today · 4.125%
HK$12,781
baseline
▲ 0.50% · 4.625%
HK$13,559
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,562/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,380
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$364/mo
Today · 4.125%
HK$14,103
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,206/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$443/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,819
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$425/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,906/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,040
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$571/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,166/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,070
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$546/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,930 · 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).