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$10,284
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$325/mo
Today · 4.125%
HK$10,928
baseline
▲ 0.50% · 4.625%
HK$11,593
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,856/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,440
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$311/mo
Today · 4.125%
HK$12,058
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,116/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,340
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$390/mo
Today · 4.125%
HK$13,114
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,228/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,728
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$373/mo
Today · 4.125%
HK$14,470
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,940/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,845
−HK$455/mo
Today · 4.125%
HK$15,300
baseline
▲ 0.50% · 4.625%
HK$16,231
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,600/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,017
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$436/mo
Today · 4.125%
HK$16,882
baseline
▲ 0.50% · 4.625%
HK$17,772
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,764/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$585/mo
Today · 4.125%
HK$19,671
baseline
▲ 0.50% · 4.625%
HK$20,868
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,342/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,593
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,145
−HK$560/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$22,849
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,485 · 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).