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$10,245
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$324/mo
Today · 4.125%
HK$10,888
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,776/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,398
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$310/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,026/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,294
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$388/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,130/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,677
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$372/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,832/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,343
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,789
−HK$454/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$927/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,957
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$434/mo
Today · 4.125%
HK$16,819
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$886/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,638/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,441
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$583/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$558/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,395 · 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).