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$10,141
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,457
−HK$320/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,554/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,282
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$307/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,782/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,169
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$384/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,864/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$369/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,198
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$449/mo
Today · 4.125%
HK$15,088
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,176/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,795
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$430/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,296/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$577/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,579
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,307
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$552/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,129/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,711 · 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).