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$11,454
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$362/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,913
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,344/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,743
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,084
−HK$347/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,862/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,745
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$434/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,496
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,214/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,291
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$416/mo
Today · 4.125%
HK$16,117
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,234/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$506/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$485/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,617
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$651/mo
Today · 4.125%
HK$21,910
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,334/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,820/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$624/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,450
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,022 · 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).