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$11,593
+HK$665/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$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,440
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$311/mo
Today · 4.125%
HK$12,058
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$636/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,116/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,340
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$390/mo
Today · 4.125%
HK$13,114
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,228/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,728
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,096
−HK$374/mo
Today · 4.125%
HK$14,470
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$762/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,940/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$455/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$931/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$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,016
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$435/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$585/mo
Today · 4.125%
HK$19,671
baseline
▲ 0.50% · 4.625%
HK$20,867
+HK$1,196/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,342/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,592
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$561/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$22,849
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$68,469 · 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).