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$10,254
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$325/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,796/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,408
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$310/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,658
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,048/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,305
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$389/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,154/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,690
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$372/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,858/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,356
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$454/mo
Today · 4.125%
HK$15,257
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,514/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$434/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,458
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$584/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,809
+HK$1,193/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,085
−HK$559/mo
Today · 4.125%
HK$21,644
baseline
▲ 0.50% · 4.625%
HK$22,785
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,288/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,457 · 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).