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$10,104
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$319/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$653/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$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,241
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,543
−HK$305/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,696/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,125
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,502
−HK$384/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$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,489
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$367/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,436/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,146
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$447/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,948
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,737
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$428/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$874/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$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,188
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$574/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$550/mo
Today · 4.125%
HK$21,327
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,654/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,469 · 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).