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$11,464
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,820
−HK$363/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,366/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,753
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$347/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$435/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$417/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,262/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,049
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$508/mo
Today · 4.125%
HK$17,056
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,112/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$486/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$653/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$625/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,392/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,116 · 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).