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$10,124
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$320/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,518/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,263
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$306/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,742/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,149
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$383/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$786/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,820/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$367/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,173
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,614
−HK$448/mo
Today · 4.125%
HK$15,062
baseline
▲ 0.50% · 4.625%
HK$15,979
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,124/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,768
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,191
−HK$429/mo
Today · 4.125%
HK$16,620
baseline
▲ 0.50% · 4.625%
HK$17,496
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,240/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$576/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,178/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$551/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,126/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,597 · 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).