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$10,136
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$320/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,427
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,542/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,276
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$307/mo
Today · 4.125%
HK$11,885
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,770/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,163
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,541
−HK$384/mo
Today · 4.125%
HK$12,925
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,850/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,531
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,894
−HK$368/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,190
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$449/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,786
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$430/mo
Today · 4.125%
HK$16,639
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,278/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$576/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,180/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$552/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,128/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,675 · 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).