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$10,128
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$320/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,418
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,526/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,267
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$307/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,752/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,153
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,531
−HK$384/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,701
+HK$786/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,830/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,520
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$368/mo
Today · 4.125%
HK$14,251
baseline
▲ 0.50% · 4.625%
HK$15,002
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,502/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,179
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$448/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$429/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,230
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,797
−HK$576/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$551/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,623 · 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).