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$10,262
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,582
−HK$324/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,570
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,812/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,417
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$311/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,668
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,068/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,315
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,698
−HK$389/mo
Today · 4.125%
HK$13,087
baseline
▲ 0.50% · 4.625%
HK$13,884
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,174/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,700
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$372/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,202
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,880/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,367
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$454/mo
Today · 4.125%
HK$15,268
baseline
▲ 0.50% · 4.625%
HK$16,198
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,536/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,984
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$435/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,735
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,694/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,472
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$584/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,550
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$559/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,803
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,559 · 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).