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$11,433
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,789
−HK$361/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,889
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,300/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,719
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$346/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,113
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,812/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,719
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$434/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,160/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,672
−HK$415/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,006
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,504
−HK$506/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,807
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$485/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,758
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,538/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$651/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$623/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,403
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,812 · 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).