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$10,277
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,597
−HK$325/mo
Today · 4.125%
HK$10,922
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$665/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,844/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,434
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$311/mo
Today · 4.125%
HK$12,051
baseline
▲ 0.50% · 4.625%
HK$12,687
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,102/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,333
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$389/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$798/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$374/mo
Today · 4.125%
HK$14,462
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,924/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$455/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$930/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$436/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$889/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,075
−HK$585/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$560/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,215 · 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).