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$11,521
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$364/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,817
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$349/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,020/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,826
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$437/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,587
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,381
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$419/mo
Today · 4.125%
HK$16,212
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,424/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$509/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$489/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$656/mo
Today · 4.125%
HK$22,039
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,078/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$628/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,281/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,685 · 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).