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$11,489
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$363/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,952
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,418/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,781
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,124
−HK$347/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,786
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,215
−HK$436/mo
Today · 4.125%
HK$14,651
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$891/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,302/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$418/mo
Today · 4.125%
HK$16,166
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,332/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,084
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$509/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$18,133
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,893
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,373
−HK$487/mo
Today · 4.125%
HK$18,860
baseline
▲ 0.50% · 4.625%
HK$19,854
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,720/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$653/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$626/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,362 · 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).