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$10,118
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$320/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,506/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,257
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$306/mo
Today · 4.125%
HK$11,865
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,730/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,142
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$383/mo
Today · 4.125%
HK$12,903
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$786/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,806/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$368/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,476/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,166
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$448/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,759
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$429/mo
Today · 4.125%
HK$16,611
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$875/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,222/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$575/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$552/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,561 · 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).