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$11,442
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$361/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,899
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,318/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,729
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$346/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,124
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,730
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$434/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,274
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,684
−HK$416/mo
Today · 4.125%
HK$16,100
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,200/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,517
−HK$506/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$18,059
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,820
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$485/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,566/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,595
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$650/mo
Today · 4.125%
HK$21,886
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,772/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,912
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$624/mo
Today · 4.125%
HK$24,150
baseline
▲ 0.50% · 4.625%
HK$25,422
+HK$1,272/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,300/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,899 · 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).