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$10,272
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$325/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,832/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,427
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$310/mo
Today · 4.125%
HK$12,044
baseline
▲ 0.50% · 4.625%
HK$12,679
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,088/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,326
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$390/mo
Today · 4.125%
HK$13,099
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,198/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,713
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$373/mo
Today · 4.125%
HK$14,453
baseline
▲ 0.50% · 4.625%
HK$15,215
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,906/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,380
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,828
−HK$454/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,212
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,564/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,998
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$435/mo
Today · 4.125%
HK$16,862
baseline
▲ 0.50% · 4.625%
HK$17,751
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,724/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$584/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,196/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,120
−HK$560/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,143/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,961 · 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).