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$10,271
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$324/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,830/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,426
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$311/mo
Today · 4.125%
HK$12,044
baseline
▲ 0.50% · 4.625%
HK$12,679
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,088/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,325
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$389/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,196/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,712
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$373/mo
Today · 4.125%
HK$14,453
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,906/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,380
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$454/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,211
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,562/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,997
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,426
−HK$435/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,722/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,488
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$584/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,843
+HK$1,196/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,568
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$560/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,822
+HK$1,143/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,936 · 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).