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$10,257
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$325/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,802/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,411
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$311/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,056/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,309
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$389/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,162/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,693
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$372/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,194
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,360
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$454/mo
Today · 4.125%
HK$15,261
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,522/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,976
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$435/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$584/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,540
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$559/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,300/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,475 · 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).