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$10,140
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$320/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$656/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,281
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$307/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,782/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,169
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$385/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,864/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$369/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,538/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,197
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$449/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$918/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,174/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,794
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,217
−HK$430/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,294/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,253
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$576/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,181/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,851
−HK$552/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,128/mo
Deposit HK$445K · loan HK$4.00M · min. income ≈ HK$42,806/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,707 · 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).