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$10,088
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$319/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,442/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$305/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,658/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,105
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$383/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,730/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,467
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$367/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,390/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$447/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,712
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$428/mo
Today · 4.125%
HK$16,561
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,122/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$574/mo
Today · 4.125%
HK$19,297
baseline
▲ 0.50% · 4.625%
HK$20,471
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,594/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,201
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,743
−HK$549/mo
Today · 4.125%
HK$21,292
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,584/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,361 · 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).