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$10,134
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,449
−HK$321/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,540/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,274
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$306/mo
Today · 4.125%
HK$11,883
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,766/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,161
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$385/mo
Today · 4.125%
HK$12,924
baseline
▲ 0.50% · 4.625%
HK$13,710
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,848/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,529
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,892
−HK$368/mo
Today · 4.125%
HK$14,260
baseline
▲ 0.50% · 4.625%
HK$15,012
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,520/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,188
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$449/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$430/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,274/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,242
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$576/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,180/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$552/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,517
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,665 · 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).