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$10,131
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$320/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,532/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,270
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$307/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,505
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,157
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$384/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,524
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$368/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$751/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,183
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$448/mo
Today · 4.125%
HK$15,072
baseline
▲ 0.50% · 4.625%
HK$15,989
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,144/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,778
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,201
−HK$430/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,507
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,235
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$577/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,286
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,830
−HK$552/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,128/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,642 · 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).