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$11,434
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,789
−HK$362/mo
Today · 4.125%
HK$12,151
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,302/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,720
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$346/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,114
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,814/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$434/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,162/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,264
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,673
−HK$415/mo
Today · 4.125%
HK$16,088
baseline
▲ 0.50% · 4.625%
HK$16,936
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,176/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$506/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$18,046
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$485/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,759
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$650/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$623/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,820 · 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).