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$11,443
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$362/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,322/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,730
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$346/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,836/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,732
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$434/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,481
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,276
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$416/mo
Today · 4.125%
HK$16,102
baseline
▲ 0.50% · 4.625%
HK$16,950
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,204/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,020
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,519
−HK$506/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,050/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,822
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$485/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$991/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,238
−HK$651/mo
Today · 4.125%
HK$21,889
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,778/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$624/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,913 · 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).