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$10,121
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$319/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,259
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$307/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,493
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,736/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,145
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$384/mo
Today · 4.125%
HK$12,907
baseline
▲ 0.50% · 4.625%
HK$13,692
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,814/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,511
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,874
−HK$367/mo
Today · 4.125%
HK$14,241
baseline
▲ 0.50% · 4.625%
HK$14,992
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,482/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,169
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$448/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$429/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$875/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,217
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$576/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,267
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$552/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,577 · 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).