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$10,248
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$323/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,780/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,401
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,706
−HK$311/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,650
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,034/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,297
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,680
−HK$389/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,138/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,681
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,048
−HK$372/mo
Today · 4.125%
HK$14,420
baseline
▲ 0.50% · 4.625%
HK$15,180
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,840/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,347
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,793
−HK$454/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,174
+HK$927/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,961
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$434/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,710
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,646/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$583/mo
Today · 4.125%
HK$19,603
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,193/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,206/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$559/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,413 · 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).