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$10,140
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$320/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,281
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$307/mo
Today · 4.125%
HK$11,890
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,780/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,168
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$384/mo
Today · 4.125%
HK$12,931
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,862/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$368/mo
Today · 4.125%
HK$14,268
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,536/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,196
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$449/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,174/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,793
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,217
−HK$430/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,294/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$577/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$553/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,806/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,705 · 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).