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$10,123
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$320/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,516/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,262
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$306/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,740/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,148
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,526
−HK$384/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,695
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,820/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,514
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$367/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$14,995
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,488/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,172
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$448/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$429/mo
Today · 4.125%
HK$16,619
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,238/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,222
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$575/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,543
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$552/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,493
+HK$1,126/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,593 · 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).