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$10,110
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$319/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,488/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,248
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$306/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,710/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,132
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$383/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,497
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$367/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$447/mo
Today · 4.125%
HK$15,042
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,084/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,747
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$428/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,472
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$575/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,246
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,789
−HK$551/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,508 · 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).