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$11,488
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$364/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,951
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,418/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$348/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,786
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,215
−HK$435/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$417/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,330/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,083
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$508/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,893
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$487/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$653/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,338/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,005
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,622
−HK$626/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,357 · 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).