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$11,526
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$364/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,994
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,498/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,823
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$349/mo
Today · 4.125%
HK$13,516
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,032/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$437/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$419/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$510/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,192
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,952
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$489/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,393
−HK$655/mo
Today · 4.125%
HK$22,048
baseline
▲ 0.50% · 4.625%
HK$23,390
+HK$1,342/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,096/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$628/mo
Today · 4.125%
HK$24,328
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,656/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,733 · 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).