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$11,453
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$362/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,342/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,741
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$346/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,137
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,858/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,743
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$434/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,210/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,289
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$416/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$507/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,837
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$485/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,615
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$652/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$624/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,008 · 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).