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$10,030
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$317/mo
Today · 4.125%
HK$10,659
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,318/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,158
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$304/mo
Today · 4.125%
HK$11,761
baseline
▲ 0.50% · 4.625%
HK$12,381
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,522/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,036
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$380/mo
Today · 4.125%
HK$12,790
baseline
▲ 0.50% · 4.625%
HK$13,569
+HK$779/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,580/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,389
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,749
−HK$364/mo
Today · 4.125%
HK$14,113
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,226/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,042
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$444/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,844/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,621
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$425/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$571/mo
Today · 4.125%
HK$19,186
baseline
▲ 0.50% · 4.625%
HK$20,353
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,372/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$546/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,116/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,978 · 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).