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$10,111
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$320/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,399
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,492/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,249
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,551
−HK$306/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,714/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,134
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,511
−HK$384/mo
Today · 4.125%
HK$12,895
baseline
▲ 0.50% · 4.625%
HK$13,679
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,790/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,499
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$367/mo
Today · 4.125%
HK$14,228
baseline
▲ 0.50% · 4.625%
HK$14,978
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,456/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,156
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,596
−HK$448/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,088/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,749
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$428/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,201
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$575/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,519
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,791
−HK$551/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,516 · 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).