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$636/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$321/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,422
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,534/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,271
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$307/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,760/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,157
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,536
−HK$384/mo
Today · 4.125%
HK$12,920
baseline
▲ 0.50% · 4.625%
HK$13,706
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,840/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,525
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$368/mo
Today · 4.125%
HK$14,256
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$751/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,512/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,184
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$448/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$430/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,236
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$577/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,832
−HK$552/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,646 · 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).