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$644/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$325/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,586
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,842/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,433
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$311/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,100/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,332
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$389/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$798/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,719
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,087
−HK$374/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$762/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$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,387
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,835
−HK$455/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,220
+HK$930/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$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,006
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$436/mo
Today · 4.125%
HK$16,871
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$889/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$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,498
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$584/mo
Today · 4.125%
HK$19,658
baseline
▲ 0.50% · 4.625%
HK$20,854
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,316/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$560/mo
Today · 4.125%
HK$21,691
baseline
▲ 0.50% · 4.625%
HK$22,834
+HK$1,143/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,382/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,184 · 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).