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$11,452
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$362/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,340/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,740
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$347/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,858/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,742
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,170
−HK$434/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,288
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$416/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$16,964
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,228/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,033
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$507/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,836
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,315
−HK$485/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$651/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,239
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$624/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,001 · 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).