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$10,255
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$325/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$311/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,052/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$389/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,156/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,691
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$373/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,191
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,862/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$454/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,401
−HK$435/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,034
−HK$583/mo
Today · 4.125%
HK$19,617
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,234/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$559/mo
Today · 4.125%
HK$21,646
baseline
▲ 0.50% · 4.625%
HK$22,787
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,292/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,463 · 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).