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$10,115
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$320/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,500/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,253
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$306/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,722/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,138
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$384/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,800/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,866
−HK$367/mo
Today · 4.125%
HK$14,233
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$751/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,466/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,161
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$447/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,965
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$429/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$875/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$575/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$551/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,475
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,541 · 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).