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$10,142
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,458
−HK$320/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,556/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,283
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$307/mo
Today · 4.125%
HK$11,893
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,786/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,171
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,549
−HK$385/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,868/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,540
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$368/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,023
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,542/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,199
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$448/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,178/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$430/mo
Today · 4.125%
HK$16,650
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,300/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,256
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$577/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$553/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,717 · 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).