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$10,250
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$324/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,403
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$310/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,038/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,300
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$389/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,142/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,683
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$373/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$454/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$435/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$886/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$583/mo
Today · 4.125%
HK$19,607
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,193/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,214/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,076
−HK$558/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,140/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,426 · 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).