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$10,126
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$320/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,522/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,266
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$306/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,152
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$384/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,828/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,519
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$368/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,000
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,177
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$448/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,132/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,772
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$429/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,500
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$577/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,178/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$551/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,614 · 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).