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$10,279
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$325/mo
Today · 4.125%
HK$10,924
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,848/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,436
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,742
−HK$311/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,689
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,106/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,335
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$390/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,218/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,723
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$373/mo
Today · 4.125%
HK$14,464
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,928/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$454/mo
Today · 4.125%
HK$15,293
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,586/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$436/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$889/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$585/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,584
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$560/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$22,840
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,293 · 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).