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$10,109
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$320/mo
Today · 4.125%
HK$10,743
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,486/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,246
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$306/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,708/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,131
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,508
−HK$384/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,784/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,495
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$368/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,153
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,593
−HK$447/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,080/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,745
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$428/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,190/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,196
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,762
−HK$575/mo
Today · 4.125%
HK$19,337
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,674/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,243
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$551/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,500 · 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).