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$10,240
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$324/mo
Today · 4.125%
HK$10,882
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,764/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,391
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,697
−HK$310/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,640
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,014/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,287
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$388/mo
Today · 4.125%
HK$13,058
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$795/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,116/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,670
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$372/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,168
+HK$760/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,816/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,335
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$453/mo
Today · 4.125%
HK$15,234
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,468/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,948
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,376
−HK$434/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,620/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$582/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,779
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,505
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$558/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,140/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,359 · 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).