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$10,273
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$325/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,429
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$311/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,092/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,328
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$390/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$797/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,202/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,083
−HK$373/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$762/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,383
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$455/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,215
+HK$930/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,001
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,430
−HK$435/mo
Today · 4.125%
HK$16,865
baseline
▲ 0.50% · 4.625%
HK$17,754
+HK$889/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,730/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,492
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$585/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,847
+HK$1,195/mo
Deposit HK$451K · loan HK$4.05M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,572
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$560/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,143/mo
Deposit HK$451K · loan HK$4.05M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,035 · 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).