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$10,139
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$320/mo
Today · 4.125%
HK$10,775
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,550/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,280
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,582
−HK$307/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,778/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,167
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,546
−HK$384/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,717
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,860/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$368/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,534/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,195
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$448/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,792
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$430/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,251
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$577/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,304
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$553/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,699 · 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).