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$11,524
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$365/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,494/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$349/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,829
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$437/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$419/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$510/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$488/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$656/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,077
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$627/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,283/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,712 · 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).