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$10,146
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$321/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,438
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,564/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,287
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,590
−HK$307/mo
Today · 4.125%
HK$11,897
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,794/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,175
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$384/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,726
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,876/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$368/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,029
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,204
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$449/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,802
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$430/mo
Today · 4.125%
HK$16,656
baseline
▲ 0.50% · 4.625%
HK$17,533
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,312/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$577/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,181/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,317
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$553/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,129/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,741 · 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).