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$10,283
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$325/mo
Today · 4.125%
HK$10,928
baseline
▲ 0.50% · 4.625%
HK$11,592
+HK$664/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,856/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,439
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,746
−HK$311/mo
Today · 4.125%
HK$12,057
baseline
▲ 0.50% · 4.625%
HK$12,693
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,114/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,339
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,723
−HK$390/mo
Today · 4.125%
HK$13,113
baseline
▲ 0.50% · 4.625%
HK$13,911
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,226/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,727
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$374/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,938/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,396
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$455/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,229
+HK$930/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,015
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$435/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,760/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,509
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,085
−HK$585/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,591
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,143
−HK$560/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,445 · 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).