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$10,275
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$325/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,838/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$311/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,096/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$390/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,717
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$374/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,220
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$455/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,003
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$435/mo
Today · 4.125%
HK$16,867
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,734/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,070
−HK$584/mo
Today · 4.125%
HK$19,654
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,308/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$560/mo
Today · 4.125%
HK$21,687
baseline
▲ 0.50% · 4.625%
HK$22,830
+HK$1,143/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,374/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,095 · 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).