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$10,268
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$325/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,824/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,423
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$311/mo
Today · 4.125%
HK$12,040
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,080/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,322
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$389/mo
Today · 4.125%
HK$13,094
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,188/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,708
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,075
−HK$373/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,210
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,896/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,822
−HK$455/mo
Today · 4.125%
HK$15,277
baseline
▲ 0.50% · 4.625%
HK$16,206
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,554/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,992
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$435/mo
Today · 4.125%
HK$16,856
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,712/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$584/mo
Today · 4.125%
HK$19,641
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,195/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,282/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,561
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$559/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,815
+HK$1,143/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,799 · 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).