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$11,470
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$363/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,930
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,378/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,760
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$347/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,763
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,192
−HK$435/mo
Today · 4.125%
HK$14,627
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,254/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,312
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$417/mo
Today · 4.125%
HK$16,139
baseline
▲ 0.50% · 4.625%
HK$16,990
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,278/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,057
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$507/mo
Today · 4.125%
HK$17,064
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,128/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,864
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$486/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,821
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,658/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,645
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,287
−HK$653/mo
Today · 4.125%
HK$21,940
baseline
▲ 0.50% · 4.625%
HK$23,275
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,880/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$624/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,174 · 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).