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$10,241
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$324/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,766/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,393
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$310/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,016/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,289
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,671
−HK$389/mo
Today · 4.125%
HK$13,060
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$794/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,120/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,671
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$372/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,169
+HK$759/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,820/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,337
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$453/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,472/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,950
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$434/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,698
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,007
−HK$582/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$558/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,366 · 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).