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$10,243
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$323/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,770/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,395
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,701
−HK$310/mo
Today · 4.125%
HK$12,011
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,022/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,292
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,674
−HK$388/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$372/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,826/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$454/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,953
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$434/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,702
+HK$887/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,630/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$583/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$558/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,381 · 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).