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$11,534
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,892
−HK$365/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,514/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,831
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,175
−HK$349/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,237
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,048/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,840
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$437/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,416/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,810
−HK$419/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,458/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$511/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,963
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$489/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,760
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$656/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,096
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$629/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,627
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,806 · 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).