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$11,491
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$364/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,424/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,784
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,126
−HK$348/mo
Today · 4.125%
HK$13,474
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,948/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,789
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$436/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,308/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$417/mo
Today · 4.125%
HK$16,169
baseline
▲ 0.50% · 4.625%
HK$17,021
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,338/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,087
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$508/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$18,137
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,192/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$487/mo
Today · 4.125%
HK$18,864
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,728/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$654/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,337/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,011
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$626/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,278/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,386 · 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).