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$10,250
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$323/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$663/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$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,403
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$310/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,038/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,300
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$389/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,142/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,683
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$372/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$453/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,498/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$434/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$583/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,193/mo
Deposit HK$449K · loan HK$4.05M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$559/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,140/mo
Deposit HK$449K · loan HK$4.05M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,425 · 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).