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$10,280
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$325/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,850/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,436
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$311/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,336
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,720
−HK$390/mo
Today · 4.125%
HK$13,110
baseline
▲ 0.50% · 4.625%
HK$13,907
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,220/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,724
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$373/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,228
+HK$763/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,930/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,392
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$455/mo
Today · 4.125%
HK$15,295
baseline
▲ 0.50% · 4.625%
HK$16,225
+HK$930/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,590/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$435/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$585/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$560/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,331 · 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).