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$10,273
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$325/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,581
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,834/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,428
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$311/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,092/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,327
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$389/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,714
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$373/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,217
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,382
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,829
−HK$455/mo
Today · 4.125%
HK$15,284
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,568/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,000
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$435/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$584/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,196/mo
Deposit HK$451K · loan HK$4.05M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$559/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$22,825
+HK$1,143/mo
Deposit HK$451K · loan HK$4.05M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,009 · 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).