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$11,478
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$363/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,940
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,396/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,769
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$347/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,918/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,774
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$435/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$417/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,302/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,069
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$508/mo
Today · 4.125%
HK$17,077
baseline
▲ 0.50% · 4.625%
HK$18,116
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,154/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,877
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$487/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,836
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,303
−HK$653/mo
Today · 4.125%
HK$21,956
baseline
▲ 0.50% · 4.625%
HK$23,292
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,912/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$625/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,257 · 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).