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$11,524
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$364/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$348/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,024/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$437/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,796
−HK$419/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,133
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$510/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,188
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$488/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$655/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$627/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,707 · 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).