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$10,110
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$320/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,488/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,247
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$306/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,710/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,132
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$383/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,784/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,496
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,858
−HK$368/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$14,975
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$447/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$428/mo
Today · 4.125%
HK$16,596
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,192/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,198
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$575/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$550/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,505 · 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).