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$10,143
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$321/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,435
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,560/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,285
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$307/mo
Today · 4.125%
HK$11,894
baseline
▲ 0.50% · 4.625%
HK$12,521
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,788/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,172
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$385/mo
Today · 4.125%
HK$12,936
baseline
▲ 0.50% · 4.625%
HK$13,723
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,872/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,541
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$368/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,546/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,201
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,643
−HK$448/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$919/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,182/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,798
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,222
−HK$430/mo
Today · 4.125%
HK$16,652
baseline
▲ 0.50% · 4.625%
HK$17,530
+HK$878/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,304/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$577/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,584
+HK$1,181/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,312
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$553/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,727 · 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).