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$10,256
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$324/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,410
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$310/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,052/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,308
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$389/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,158/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,692
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$373/mo
Today · 4.125%
HK$14,432
baseline
▲ 0.50% · 4.625%
HK$15,192
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,864/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,359
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$454/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,974
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$435/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,674/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,036
−HK$583/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,813
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$559/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,468 · 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).