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$10,103
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$319/mo
Today · 4.125%
HK$10,736
baseline
▲ 0.50% · 4.625%
HK$11,389
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,472/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,239
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$305/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,692/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,123
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,500
−HK$383/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,766/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,487
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$367/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,432/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,144
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$447/mo
Today · 4.125%
HK$15,031
baseline
▲ 0.50% · 4.625%
HK$15,945
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,062/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,735
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$428/mo
Today · 4.125%
HK$16,585
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,170/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,185
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$575/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,501
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,230
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,773
−HK$550/mo
Today · 4.125%
HK$21,323
baseline
▲ 0.50% · 4.625%
HK$22,447
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,646/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,458 · 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).