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$10,107
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,421
−HK$320/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,482/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,244
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,545
−HK$306/mo
Today · 4.125%
HK$11,851
baseline
▲ 0.50% · 4.625%
HK$12,476
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,702/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,128
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$383/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,673
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,778/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,493
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$367/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,444/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,150
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$447/mo
Today · 4.125%
HK$15,037
baseline
▲ 0.50% · 4.625%
HK$15,952
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,074/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,741
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$428/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,184/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$575/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$551/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,457
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,486 · 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).