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$10,116
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$320/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,500/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,254
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$307/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,724/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,139
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$384/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,685
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,800/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$367/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,468/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,162
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$448/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,966
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,100/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,755
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$428/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$575/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,177/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$551/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,544 · 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).