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$11,451
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$362/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,909
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,338/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,739
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$346/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,854/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,741
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$434/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,206/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,287
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$416/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,031
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,530
−HK$507/mo
Today · 4.125%
HK$17,037
baseline
▲ 0.50% · 4.625%
HK$18,073
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,074/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,835
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,313
−HK$485/mo
Today · 4.125%
HK$18,798
baseline
▲ 0.50% · 4.625%
HK$19,789
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,596/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,612
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,253
−HK$651/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,237
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$624/mo
Today · 4.125%
HK$24,169
baseline
▲ 0.50% · 4.625%
HK$25,443
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,338/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,991 · 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).