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$10,135
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$320/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,540/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,275
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$307/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,768/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,162
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,540
−HK$384/mo
Today · 4.125%
HK$12,924
baseline
▲ 0.50% · 4.625%
HK$13,711
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,848/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,530
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$368/mo
Today · 4.125%
HK$14,261
baseline
▲ 0.50% · 4.625%
HK$15,013
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,522/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,189
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$449/mo
Today · 4.125%
HK$15,079
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,158/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,785
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$430/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$577/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,839
−HK$552/mo
Today · 4.125%
HK$21,391
baseline
▲ 0.50% · 4.625%
HK$22,519
+HK$1,128/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,782/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,669 · 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).