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$11,486
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$363/mo
Today · 4.125%
HK$12,207
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,414/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,779
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$348/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,938/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,784
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,212
−HK$436/mo
Today · 4.125%
HK$14,648
baseline
▲ 0.50% · 4.625%
HK$15,539
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,296/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,334
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,746
−HK$417/mo
Today · 4.125%
HK$16,163
baseline
▲ 0.50% · 4.625%
HK$17,015
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,326/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,081
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$508/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,890
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$487/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$19,850
+HK$993/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,676
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,319
−HK$653/mo
Today · 4.125%
HK$21,972
baseline
▲ 0.50% · 4.625%
HK$23,309
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,944/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,618
−HK$626/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,341 · 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).