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$10,252
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$324/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,558
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,790/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,405
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,711
−HK$310/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,655
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,042/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,302
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$389/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,148/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,686
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$373/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,353
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,799
−HK$454/mo
Today · 4.125%
HK$15,253
baseline
▲ 0.50% · 4.625%
HK$16,181
+HK$928/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,506/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,967
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,396
−HK$434/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,717
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,660/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$583/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,193/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,529
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$559/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,779
+HK$1,140/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,440 · 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).