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$11,525
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$365/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,496/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,821
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,165
−HK$349/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,226
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,028/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,830
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$437/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,385
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$419/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,135
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,637
−HK$510/mo
Today · 4.125%
HK$17,147
baseline
▲ 0.50% · 4.625%
HK$18,190
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,294/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,950
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$488/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,745
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$656/mo
Today · 4.125%
HK$22,046
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,092/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$628/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,719 · 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).