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$10,105
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$319/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,476/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,241
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,543
−HK$306/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$624/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,698/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,126
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$383/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,490
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$367/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$447/mo
Today · 4.125%
HK$15,034
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,068/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$428/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,176/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$575/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,235
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$551/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,472 · 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).