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$10,126
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$320/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,415
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,522/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,265
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$306/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,499
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,746/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,151
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$384/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,698
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,826/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,517
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$368/mo
Today · 4.125%
HK$14,248
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,496/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,176
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,617
−HK$448/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,981
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,770
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$429/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,499
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,244/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$576/mo
Today · 4.125%
HK$19,369
baseline
▲ 0.50% · 4.625%
HK$20,547
+HK$1,178/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,738/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,276
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$552/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,126/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,608 · 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).