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$10,114
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,429
−HK$320/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,403
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,498/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,252
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$306/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,720/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,137
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$383/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,796/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,503
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,865
−HK$367/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,160
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$447/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$916/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,753
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$429/mo
Today · 4.125%
HK$16,604
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,208/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$576/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,177/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$551/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,535 · 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).