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$11,490
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$363/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,420/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,782
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$348/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,788
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$436/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,544
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,338
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$417/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,085
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$508/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$18,134
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,188/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$487/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,681
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$653/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$626/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,372 · 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).