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$10,136
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$320/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,428
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,544/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,277
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$307/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,772/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,164
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$385/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,854/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,532
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$368/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,191
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$449/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,787
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$429/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$577/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,570
+HK$1,180/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$553/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,522
+HK$1,127/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,680 · 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).