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$10,272
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$325/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,832/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,427
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$311/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,680
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,090/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,326
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$389/mo
Today · 4.125%
HK$13,099
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,198/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,713
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$373/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,381
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,828
−HK$454/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,212
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,564/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,998
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$436/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,752
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,065
−HK$584/mo
Today · 4.125%
HK$19,649
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,196/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,298/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$560/mo
Today · 4.125%
HK$21,681
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,362/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,973 · 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).