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$11,510
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,868
−HK$364/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,464/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,805
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,148
−HK$348/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,208
+HK$712/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,812
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$436/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,571
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$418/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,114
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$509/mo
Today · 4.125%
HK$17,124
baseline
▲ 0.50% · 4.625%
HK$18,166
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,248/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,927
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,407
−HK$488/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,718
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,362
−HK$655/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,357
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,048
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,667
−HK$627/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,280/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,572 · 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).