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$10,279
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$325/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,588
+HK$665/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$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,435
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$312/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,106/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,334
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,718
−HK$390/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,905
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,216/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,722
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,090
−HK$373/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$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,390
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,838
−HK$454/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,223
+HK$931/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$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,009
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,438
−HK$436/mo
Today · 4.125%
HK$16,874
baseline
▲ 0.50% · 4.625%
HK$17,763
+HK$889/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,748/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,077
−HK$585/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,135
−HK$560/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,143/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,262 · 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).