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$10,264
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$324/mo
Today · 4.125%
HK$10,907
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,814/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,418
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$310/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,670
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,070/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,317
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$389/mo
Today · 4.125%
HK$13,089
baseline
▲ 0.50% · 4.625%
HK$13,885
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,178/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,702
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$372/mo
Today · 4.125%
HK$14,442
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,884/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,369
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$454/mo
Today · 4.125%
HK$15,270
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,540/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,986
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$435/mo
Today · 4.125%
HK$16,849
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,698/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$583/mo
Today · 4.125%
HK$19,633
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,195/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,266/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,553
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,104
−HK$560/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,805
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,617 · 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).