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$10,121
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$320/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,512/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,260
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$306/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,736/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,145
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$384/mo
Today · 4.125%
HK$12,907
baseline
▲ 0.50% · 4.625%
HK$13,692
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,814/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,512
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,874
−HK$368/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$14,992
+HK$750/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,484/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,170
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$448/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$429/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,218
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$575/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,267
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$551/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,579 · 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).