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$10,264
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$325/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,816/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,419
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$310/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,670
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,070/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,317
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$389/mo
Today · 4.125%
HK$13,089
baseline
▲ 0.50% · 4.625%
HK$13,886
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,178/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,702
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$373/mo
Today · 4.125%
HK$14,443
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,886/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,370
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$454/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,986
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$584/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,553
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$559/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,806
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,623 · 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).