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$10,131
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$320/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,532/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,271
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$306/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,157
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$384/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,706
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,525
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$368/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,183
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$449/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$429/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,236
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$576/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$552/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,644 · 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).