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$11,450
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$362/mo
Today · 4.125%
HK$12,168
baseline
▲ 0.50% · 4.625%
HK$12,909
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,336/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,738
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$347/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,134
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,854/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,740
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$434/mo
Today · 4.125%
HK$14,602
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,204/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,286
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,696
−HK$416/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,030
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$507/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,834
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$485/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$651/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$624/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,984 · 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).