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$10,257
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$324/mo
Today · 4.125%
HK$10,900
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,800/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,411
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$310/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,054/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,308
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,691
−HK$389/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,160/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,693
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$373/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,194
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,360
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$453/mo
Today · 4.125%
HK$15,260
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,520/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$434/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$583/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,540
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$559/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,474 · 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).