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$10,261
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$324/mo
Today · 4.125%
HK$10,905
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,810/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,416
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$310/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$635/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,314
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$389/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,172/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,699
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$373/mo
Today · 4.125%
HK$14,439
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,878/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,366
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$454/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,534/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,982
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,411
−HK$434/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,470
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,045
−HK$584/mo
Today · 4.125%
HK$19,629
baseline
▲ 0.50% · 4.625%
HK$20,823
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,258/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,548
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$559/mo
Today · 4.125%
HK$21,658
baseline
▲ 0.50% · 4.625%
HK$22,800
+HK$1,142/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,316/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$67,510 · 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).