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$11,449
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$361/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,334/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,737
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$346/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,850/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,739
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,167
−HK$434/mo
Today · 4.125%
HK$14,601
baseline
▲ 0.50% · 4.625%
HK$15,489
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,202/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,285
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$416/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$16,960
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,528
−HK$506/mo
Today · 4.125%
HK$17,034
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,068/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$486/mo
Today · 4.125%
HK$18,796
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,592/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$651/mo
Today · 4.125%
HK$21,901
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,802/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$624/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,975 · 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).