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$11,505
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$363/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,970
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,452/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,799
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,142
−HK$349/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,806
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$437/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,359
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,771
−HK$418/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,107
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,608
−HK$509/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,159
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,234/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,919
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$488/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$655/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,347
+HK$1,339/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,039
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$627/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,563
+HK$1,280/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,524 · 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).