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$10,138
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$321/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,548/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,278
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$307/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,514
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,776/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,165
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$384/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,856/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,534
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$368/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,017
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,193
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$449/mo
Today · 4.125%
HK$15,083
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,166/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,790
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$430/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,520
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,286/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$576/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,572
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,301
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$553/mo
Today · 4.125%
HK$21,398
baseline
▲ 0.50% · 4.625%
HK$22,526
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,796/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,689 · 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).