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$10,260
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$324/mo
Today · 4.125%
HK$10,903
baseline
▲ 0.50% · 4.625%
HK$11,566
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,806/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,414
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,720
−HK$310/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,060/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,312
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$389/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,168/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,697
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,064
−HK$373/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,874/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,364
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$454/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,979
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$435/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,467
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$583/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,195/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$559/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,491 · 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).