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$10,113
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$319/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,494/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,251
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$306/mo
Today · 4.125%
HK$11,858
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,716/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,136
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$384/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,794/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,501
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,863
−HK$367/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$14,980
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,460/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,158
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$447/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$916/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,751
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,173
−HK$429/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$575/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,177/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,251
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$551/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,470
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,526 · 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).