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$10,068
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,381
−HK$318/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,350
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,398/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,200
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$304/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,081
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$382/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,678/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,440
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$365/mo
Today · 4.125%
HK$14,166
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,332/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,095
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,533
−HK$446/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,958/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,680
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,101
−HK$426/mo
Today · 4.125%
HK$16,527
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$872/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,054/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,122
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$573/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,172/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,701
−HK$548/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,121/mo
Deposit HK$442K · loan HK$3.97M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,227 · 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).