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$10,090
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$319/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,446/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,225
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$305/mo
Today · 4.125%
HK$11,831
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,662/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,108
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$383/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,650
+HK$783/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,470
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$367/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$14,946
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,126
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$447/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,715
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$428/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,437
+HK$873/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,128/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,162
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$574/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,475
+HK$1,174/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,205
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$549/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,123/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,374 · 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).