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$10,261
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$324/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,808/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,415
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$311/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,313
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$389/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,881
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,170/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,698
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,065
−HK$373/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,365
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$454/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$434/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,688/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,469
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$584/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$559/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,498 · 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).