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$633/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$319/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,450/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,228
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,529
−HK$305/mo
Today · 4.125%
HK$11,834
baseline
▲ 0.50% · 4.625%
HK$12,458
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,668/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,111
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$382/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,654
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,740/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,473
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$366/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$14,950
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,402/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,129
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$446/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,719
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$428/mo
Today · 4.125%
HK$16,568
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,136/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,166
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,731
−HK$575/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,480
+HK$1,174/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,210
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,752
−HK$550/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,425
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,391 · 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).