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$10,012
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$317/mo
Today · 4.125%
HK$10,640
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$647/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,280/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,138
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,437
−HK$303/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,480/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,014
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$380/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,536/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$364/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,831
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,176/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,017
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$443/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,594
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$424/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$570/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$545/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,862 · 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).