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$10,281
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$325/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,852/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,437
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$311/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,337
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$390/mo
Today · 4.125%
HK$13,111
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,222/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,093
−HK$373/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,932/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,393
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$455/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,012
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$436/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,767
+HK$889/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,756/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,081
−HK$585/mo
Today · 4.125%
HK$19,666
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,332/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,587
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$560/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,369 · 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).