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$11,493
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$363/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,428/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,786
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$348/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,954/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,792
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,221
−HK$436/mo
Today · 4.125%
HK$14,657
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$891/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,314/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$417/mo
Today · 4.125%
HK$16,172
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$853/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,344/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,090
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$508/mo
Today · 4.125%
HK$17,099
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,198/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,380
−HK$488/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,736/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$654/mo
Today · 4.125%
HK$21,985
baseline
▲ 0.50% · 4.625%
HK$23,323
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,970/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,015
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$626/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,407 · 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).