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$11,484
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$363/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,408/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,775
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,118
−HK$348/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,932/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$435/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,535
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,288/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,330
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$417/mo
Today · 4.125%
HK$16,159
baseline
▲ 0.50% · 4.625%
HK$17,010
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,318/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,077
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$508/mo
Today · 4.125%
HK$17,085
baseline
▲ 0.50% · 4.625%
HK$18,125
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,170/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,885
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,365
−HK$487/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,845
+HK$993/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,670
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$654/mo
Today · 4.125%
HK$21,967
baseline
▲ 0.50% · 4.625%
HK$23,303
+HK$1,336/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,934/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$626/mo
Today · 4.125%
HK$24,238
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,476/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,312 · 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).