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$10,277
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,597
−HK$325/mo
Today · 4.125%
HK$10,922
baseline
▲ 0.50% · 4.625%
HK$11,586
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,844/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,433
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$311/mo
Today · 4.125%
HK$12,051
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,102/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,333
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$390/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$798/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$373/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$763/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$454/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$931/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$435/mo
Today · 4.125%
HK$16,871
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$890/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,742/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$585/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$560/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,143/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,206 · 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).