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$10,115
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,429
−HK$320/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,403
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,498/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,253
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$306/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,720/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,138
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$384/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,798/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,503
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,865
−HK$368/mo
Today · 4.125%
HK$14,233
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,466/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,161
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$448/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$915/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$429/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$875/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,210/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$575/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,177/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$551/mo
Today · 4.125%
HK$21,349
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,698/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,537 · 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).