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$10,108
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$319/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,396
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,484/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,245
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$306/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,706/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,130
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$384/mo
Today · 4.125%
HK$12,891
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,782/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,495
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$368/mo
Today · 4.125%
HK$14,224
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,448/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,152
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$447/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,078/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$428/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,469
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$575/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,242
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$550/mo
Today · 4.125%
HK$21,335
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,670/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,495 · 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).