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$10,249
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$324/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,784/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,402
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$310/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,036/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,299
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$389/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,140/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,682
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$372/mo
Today · 4.125%
HK$14,421
baseline
▲ 0.50% · 4.625%
HK$15,182
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,842/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,348
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$453/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,963
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$434/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,650/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$583/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,193/mo
Deposit HK$449K · loan HK$4.05M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$558/mo
Today · 4.125%
HK$21,632
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,140/mo
Deposit HK$449K · loan HK$4.05M · min. income ≈ HK$43,264/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,420 · 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).