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$10,244
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,563
−HK$324/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,549
+HK$662/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$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,397
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$310/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,645
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,024/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,293
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$389/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,859
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,128/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,676
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$372/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,175
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,830/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$453/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$928/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,955
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$434/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$887/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,634/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$583/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,514
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$558/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,389 · 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).