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$11,450
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$362/mo
Today · 4.125%
HK$12,168
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,336/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,738
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$347/mo
Today · 4.125%
HK$13,426
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,852/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,740
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,167
−HK$434/mo
Today · 4.125%
HK$14,601
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,202/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,285
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$416/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$16,960
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,528
−HK$507/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$485/mo
Today · 4.125%
HK$18,796
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$991/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,592/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$652/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$623/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,978 · 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).