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$10,129
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$320/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,528/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,268
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$307/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,754/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,154
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$384/mo
Today · 4.125%
HK$12,916
baseline
▲ 0.50% · 4.625%
HK$13,702
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,832/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,522
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$368/mo
Today · 4.125%
HK$14,252
baseline
▲ 0.50% · 4.625%
HK$15,003
+HK$751/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,504/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,180
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,621
−HK$448/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,986
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,138/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,775
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$429/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,504
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,254/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,799
−HK$576/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,554
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$552/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,505
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,628 · 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).