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$10,058
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$318/mo
Today · 4.125%
HK$10,689
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,378/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,190
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$304/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,588/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,070
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$381/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$781/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,654/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$365/mo
Today · 4.125%
HK$14,153
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$746/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,306/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,082
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$445/mo
Today · 4.125%
HK$14,965
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,930/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,666
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,086
−HK$426/mo
Today · 4.125%
HK$16,512
baseline
▲ 0.50% · 4.625%
HK$17,383
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,024/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$573/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,170/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$548/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,167 · 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).