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$10,104
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,418
−HK$320/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,476/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,241
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$306/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$624/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,696/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,125
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,502
−HK$383/mo
Today · 4.125%
HK$12,885
baseline
▲ 0.50% · 4.625%
HK$13,669
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,770/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,489
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,850
−HK$367/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,434/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,146
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$447/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,737
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,159
−HK$428/mo
Today · 4.125%
HK$16,587
baseline
▲ 0.50% · 4.625%
HK$17,461
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,174/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$575/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,504
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,233
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$550/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,467 · 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).