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$10,145
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$321/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,438
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,564/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,287
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$308/mo
Today · 4.125%
HK$11,897
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,794/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,175
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$385/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,725
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,876/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$369/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,204
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$449/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$919/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,188/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$430/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,533
+HK$878/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$577/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,181/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$553/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,542
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,739 · 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).