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$11,508
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,866
−HK$363/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,458/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,802
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,146
−HK$348/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,988/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,809
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,239
−HK$436/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,568
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,350/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,363
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$418/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,046
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,386/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,111
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,612
−HK$509/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,163
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,242/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$487/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,714
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$655/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,339/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,662
−HK$627/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,280/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,550 · 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).