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$10,071
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$318/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,354
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,406/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,204
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$305/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,432
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,620/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,086
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$382/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,445
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$365/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,100
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$446/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,107
−HK$426/mo
Today · 4.125%
HK$16,533
baseline
▲ 0.50% · 4.625%
HK$17,405
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,066/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,128
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$573/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,172/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,168
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$549/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,252 · 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).