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$10,254
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$324/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,560
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,794/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,408
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$310/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,658
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,048/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,305
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$389/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,872
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,154/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,689
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,056
−HK$373/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,189
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,858/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,356
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$454/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,512/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$434/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,457
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$583/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,193/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$559/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,454 · 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).