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$10,278
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$325/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,846/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,434
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$311/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,334
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,718
−HK$389/mo
Today · 4.125%
HK$13,107
baseline
▲ 0.50% · 4.625%
HK$13,905
+HK$798/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,214/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,721
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,089
−HK$374/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,926/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,390
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$455/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$930/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,438
−HK$435/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,763
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$585/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,582
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,134
−HK$560/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,250 · 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).