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$10,242
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$324/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,547
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,770/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,395
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$310/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,643
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,291
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$389/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,856
+HK$794/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$372/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,824/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,339
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,785
−HK$454/mo
Today · 4.125%
HK$15,239
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,478/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,952
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$434/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$887/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$582/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,193/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$558/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,377 · 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).