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$10,245
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$323/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,774/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,397
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$310/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,026/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,294
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$389/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,130/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,677
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$372/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,832/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,343
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,789
−HK$453/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$928/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,484/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,956
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$434/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$887/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,636/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,441
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$583/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,193/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$558/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,393 · 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).