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$10,121
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$320/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,411
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,512/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,260
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$306/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,736/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,146
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$383/mo
Today · 4.125%
HK$12,907
baseline
▲ 0.50% · 4.625%
HK$13,693
+HK$786/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,814/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,512
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,874
−HK$368/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,484/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,170
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$448/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$429/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$576/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,539
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$551/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,489
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,581 · 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).