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$10,136
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$321/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,427
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,544/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,276
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$306/mo
Today · 4.125%
HK$11,885
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,770/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,163
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$384/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,531
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,894
−HK$368/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,190
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$448/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,787
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$430/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,245
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$577/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$552/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,127/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,677 · 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).