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$10,133
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$320/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,424
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,536/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,273
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$307/mo
Today · 4.125%
HK$11,882
baseline
▲ 0.50% · 4.625%
HK$12,508
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,764/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,160
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,538
−HK$384/mo
Today · 4.125%
HK$12,922
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,844/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,527
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$368/mo
Today · 4.125%
HK$14,258
baseline
▲ 0.50% · 4.625%
HK$15,010
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,516/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,186
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$449/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,782
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$430/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,512
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,239
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$576/mo
Today · 4.125%
HK$19,383
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,180/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,766/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,291
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,835
−HK$552/mo
Today · 4.125%
HK$21,387
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,128/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,774/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,658 · 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).