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$10,144
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$321/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,562/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,286
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,588
−HK$307/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,790/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,173
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,552
−HK$385/mo
Today · 4.125%
HK$12,937
baseline
▲ 0.50% · 4.625%
HK$13,724
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,874/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,543
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$368/mo
Today · 4.125%
HK$14,274
baseline
▲ 0.50% · 4.625%
HK$15,027
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,548/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,202
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$449/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,800
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$429/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$878/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,828
−HK$577/mo
Today · 4.125%
HK$19,405
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,181/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,810/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,314
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,859
−HK$553/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,733 · 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).