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$10,128
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$320/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,418
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,526/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,267
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$306/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,752/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,626 · 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$66,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,521
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$367/mo
Today · 4.125%
HK$14,251
baseline
▲ 0.50% · 4.625%
HK$15,003
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,502/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,179
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$449/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$916/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$66,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$429/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$876/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$66,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$576/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$552/mo
Today · 4.125%
HK$21,377
baseline
▲ 0.50% · 4.625%
HK$22,504
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,754/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,626 · 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).