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$10,251
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$324/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,556
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,404
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$311/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,040/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,301
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$389/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,684
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$373/mo
Today · 4.125%
HK$14,424
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,848/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,351
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$454/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,179
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,965
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$435/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,715
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,656/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,451
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$583/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,193/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$559/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,776
+HK$1,140/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,431 · 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).