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$10,269
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$325/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,577
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,826/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,424
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$310/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,676
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,082/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,323
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$390/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,192/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,709
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$373/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,377
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$454/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,208
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,994
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,423
−HK$435/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$584/mo
Today · 4.125%
HK$19,643
baseline
▲ 0.50% · 4.625%
HK$20,839
+HK$1,196/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,286/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,564
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$560/mo
Today · 4.125%
HK$21,675
baseline
▲ 0.50% · 4.625%
HK$22,817
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,350/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,847 · 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).