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$11,462
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$362/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,751
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$347/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,754
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$434/mo
Today · 4.125%
HK$14,616
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,232/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$417/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,046
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$507/mo
Today · 4.125%
HK$17,052
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,104/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,851
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$486/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$652/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$625/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,095 · 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).