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$10,119
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$320/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,408
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,508/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,258
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$306/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,732/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,143
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,521
−HK$384/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,690
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,810/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,509
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,872
−HK$367/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$14,990
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,478/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,167
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,608
−HK$448/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,761
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$428/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,488
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,215
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,782
−HK$575/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,264
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$551/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,569 · 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).