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$10,121
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$320/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,259
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$306/mo
Today · 4.125%
HK$11,867
baseline
▲ 0.50% · 4.625%
HK$12,493
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,734/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,145
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$383/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,692
+HK$786/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,511
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$368/mo
Today · 4.125%
HK$14,241
baseline
▲ 0.50% · 4.625%
HK$14,992
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,482/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,169
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$447/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$429/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,228/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,217
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$575/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,266
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$551/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,487
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,576 · 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).