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$11,472
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$362/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,382/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,762
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$347/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,904/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,766
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$436/mo
Today · 4.125%
HK$14,630
baseline
▲ 0.50% · 4.625%
HK$15,520
+HK$890/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$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,315
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$416/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,061
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$508/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,867
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$487/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$652/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$625/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,197 · 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).