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$10,137
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$320/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,428
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,544/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,277
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$306/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,513
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,772/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,164
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,543
−HK$384/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,714
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,854/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,533
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$369/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$751/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,192
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$448/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,788
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$430/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,518
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$576/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,570
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,299
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$552/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,682 · 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).