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$10,266
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,585
−HK$325/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,820/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,421
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$311/mo
Today · 4.125%
HK$12,038
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,076/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,319
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$390/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,888
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,184/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,705
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$372/mo
Today · 4.125%
HK$14,445
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$762/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$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,372
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$454/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,548/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,989
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$435/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,741
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,706/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,479
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$584/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,195/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$559/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,810
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,714 · 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).