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$10,270
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$325/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,578
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,828/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,425
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$311/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,084/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,323
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,707
−HK$389/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,893
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,192/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,710
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$373/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,212
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,377
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,825
−HK$454/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,995
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$435/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,718/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,485
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$584/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,196/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$560/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,868 · 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).