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$10,267
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$324/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,822/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,422
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$310/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,078/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,321
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,704
−HK$389/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,890
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,186/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,707
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$373/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,209
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,894/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,374
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$455/mo
Today · 4.125%
HK$15,276
baseline
▲ 0.50% · 4.625%
HK$16,205
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,552/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,991
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,420
−HK$435/mo
Today · 4.125%
HK$16,855
baseline
▲ 0.50% · 4.625%
HK$17,744
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,710/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,481
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$584/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,835
+HK$1,195/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,560
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$559/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,772 · 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).