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$10,275
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,595
−HK$325/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$664/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$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$311/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,684
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,098/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$390/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,208/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,717
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$374/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,221
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,918/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,833
−HK$455/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,576/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,004
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,433
−HK$435/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,757
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,496
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,071
−HK$584/mo
Today · 4.125%
HK$19,655
baseline
▲ 0.50% · 4.625%
HK$20,851
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,310/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,128
−HK$560/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,143/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,121 · 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).