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$720/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$363/mo
Today · 4.125%
HK$12,213
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,426/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,786
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$348/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,952/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,791
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$436/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,312/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$418/mo
Today · 4.125%
HK$16,172
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$852/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$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,090
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$509/mo
Today · 4.125%
HK$17,099
baseline
▲ 0.50% · 4.625%
HK$18,139
+HK$1,040/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$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,380
−HK$487/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$19,861
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$654/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$626/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,403 · 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).