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$10,246
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$324/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,778/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,399
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$310/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,030/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,295
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,678
−HK$388/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,862
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,132/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,679
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$373/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,836/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,345
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$453/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$435/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$886/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,642/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,443
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$583/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,518
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,068
−HK$558/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,402 · 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).