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$10,239
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,557
−HK$324/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,762/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,391
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$310/mo
Today · 4.125%
HK$12,006
baseline
▲ 0.50% · 4.625%
HK$12,639
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,012/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,287
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$388/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,852
+HK$795/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,669
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$372/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,167
+HK$760/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,334
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,780
−HK$453/mo
Today · 4.125%
HK$15,233
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,466/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,947
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$434/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,695
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$583/mo
Today · 4.125%
HK$19,586
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,172/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,503
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$558/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,750
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,354 · 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).