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$10,274
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$324/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,430
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$311/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,094/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,329
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$389/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,204/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,716
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$373/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,384
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$455/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,216
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,572/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,002
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$435/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,755
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,732/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$584/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$559/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,143/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,071 · 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).