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$10,129
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$320/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,528/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,268
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,571
−HK$306/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,754/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,155
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$384/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,703
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,834/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,522
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,885
−HK$368/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$751/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,506/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,181
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$448/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,776
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$429/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,232
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,799
−HK$577/mo
Today · 4.125%
HK$19,376
baseline
▲ 0.50% · 4.625%
HK$20,555
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,752/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$552/mo
Today · 4.125%
HK$21,379
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,758/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,632 · 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).