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$11,526
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$364/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,994
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,496/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$349/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$437/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,396/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$419/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,436/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,136
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$510/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,191
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,296/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$488/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,746
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$655/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,342/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,699
−HK$628/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,609
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,728 · 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).