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$10,253
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,572
−HK$324/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,792/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,406
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$311/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,046/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$389/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,871
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,688
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$372/mo
Today · 4.125%
HK$14,427
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,854/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,801
−HK$453/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,183
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,969
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$435/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,664/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$583/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,193/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$559/mo
Today · 4.125%
HK$21,641
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,140/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,282/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,447 · 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).