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$643/mo
▼ 0.25% · 3.875%
HK$10,560
−HK$324/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,768/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,394
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,699
−HK$310/mo
Today · 4.125%
HK$12,009
baseline
▲ 0.50% · 4.625%
HK$12,642
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,018/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,290
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$388/mo
Today · 4.125%
HK$13,060
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$795/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$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,672
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$372/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$760/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,338
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$453/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,474/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$434/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,626/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,435
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$583/mo
Today · 4.125%
HK$19,591
baseline
▲ 0.50% · 4.625%
HK$20,783
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,182/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$558/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,371 · 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).