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$10,106
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$320/mo
Today · 4.125%
HK$10,740
baseline
▲ 0.50% · 4.625%
HK$11,393
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,480/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,243
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$306/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,700/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,127
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$383/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,774/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,491
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$367/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,440/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,148
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$447/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,740
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,162
−HK$428/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,464
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,756
−HK$575/mo
Today · 4.125%
HK$19,331
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,662/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$551/mo
Today · 4.125%
HK$21,330
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,660/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,479 · 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).