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$10,147
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$320/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,439
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,566/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,288
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,591
−HK$307/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,525
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,796/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,176
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$385/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,727
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,546
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,909
−HK$369/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,206
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,648
−HK$449/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$430/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,536
+HK$878/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,316/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$577/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,591
+HK$1,181/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,319
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,864
−HK$553/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,546
+HK$1,129/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,749 · 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).