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$10,276
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$324/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,840/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,432
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$311/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,100/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,331
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$390/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$374/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,920/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,386
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$455/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,219
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,578/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,005
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,434
−HK$435/mo
Today · 4.125%
HK$16,869
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$890/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,738/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$585/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$560/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,153 · 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).