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$10,265
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,585
−HK$324/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,573
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,818/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,420
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$311/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,074/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,318
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$389/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,182/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,704
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$373/mo
Today · 4.125%
HK$14,445
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,890/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,372
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,819
−HK$454/mo
Today · 4.125%
HK$15,273
baseline
▲ 0.50% · 4.625%
HK$16,202
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,546/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$435/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,478
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,052
−HK$584/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,831
+HK$1,195/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,556
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$559/mo
Today · 4.125%
HK$21,667
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,334/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,686 · 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).