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$10,281
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$325/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,591
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,852/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,438
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,745
−HK$311/mo
Today · 4.125%
HK$12,056
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,112/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,338
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$390/mo
Today · 4.125%
HK$13,111
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,222/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$373/mo
Today · 4.125%
HK$14,467
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,934/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,394
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$454/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$436/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,768
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,756/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$585/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$560/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,384 · 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).