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$11,507
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$364/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,458/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,801
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$348/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,986/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$436/mo
Today · 4.125%
HK$14,674
baseline
▲ 0.50% · 4.625%
HK$15,567
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,348/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$418/mo
Today · 4.125%
HK$16,192
baseline
▲ 0.50% · 4.625%
HK$17,045
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,384/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,110
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$509/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,922
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,403
−HK$487/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$655/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,339/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$627/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,280/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,544 · 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).