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$11,446
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,802
−HK$362/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,904
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,328/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$346/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,842/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,735
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$434/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,485
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,192/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,280
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$416/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$16,955
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,212/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$506/mo
Today · 4.125%
HK$17,029
baseline
▲ 0.50% · 4.625%
HK$18,065
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,058/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,827
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$485/mo
Today · 4.125%
HK$18,790
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,580/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$652/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,227
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,920
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$623/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,941 · 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).