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$11,473
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$363/mo
Today · 4.125%
HK$12,192
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,384/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,763
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$348/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,906/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,767
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$435/mo
Today · 4.125%
HK$14,630
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,260/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,316
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$417/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,286/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,561
−HK$508/mo
Today · 4.125%
HK$17,069
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,138/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,868
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$486/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,826
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$653/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,974
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$625/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,276/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,204 · 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).