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$10,026
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$316/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$649/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,308/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$303/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,512/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,031
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$380/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,570/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$364/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,036
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,473
−HK$443/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$425/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,608
−HK$570/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,076
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$546/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,952 · 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).