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$10,106
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,421
−HK$319/mo
Today · 4.125%
HK$10,740
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,480/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,243
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,545
−HK$306/mo
Today · 4.125%
HK$11,851
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$624/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,702/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,128
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$383/mo
Today · 4.125%
HK$12,888
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,776/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,492
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$367/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,442/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,149
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,589
−HK$447/mo
Today · 4.125%
HK$15,036
baseline
▲ 0.50% · 4.625%
HK$15,951
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,072/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,741
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,163
−HK$428/mo
Today · 4.125%
HK$16,591
baseline
▲ 0.50% · 4.625%
HK$17,466
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,182/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$575/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$550/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,483 · 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).