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$10,137
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$320/mo
Today · 4.125%
HK$10,773
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,546/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,278
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$307/mo
Today · 4.125%
HK$11,887
baseline
▲ 0.50% · 4.625%
HK$12,514
+HK$627/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,774/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,165
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,543
−HK$385/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,714
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,856/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,533
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,896
−HK$368/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,016
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,192
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$448/mo
Today · 4.125%
HK$15,082
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,164/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,789
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$430/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,284/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,247
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,815
−HK$577/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,571
+HK$1,179/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,844
−HK$553/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,525
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,686 · 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).