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$10,117
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,432
−HK$320/mo
Today · 4.125%
HK$10,752
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,504/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,255
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$306/mo
Today · 4.125%
HK$11,863
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,726/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,141
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$384/mo
Today · 4.125%
HK$12,902
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,804/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$367/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,472/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,164
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$447/mo
Today · 4.125%
HK$15,052
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,104/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$429/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$875/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$576/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,260
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$551/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,554 · 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).