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$11,495
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$364/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,788
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$348/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,189
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,794
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,223
−HK$436/mo
Today · 4.125%
HK$14,659
baseline
▲ 0.50% · 4.625%
HK$15,551
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,318/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,345
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,757
−HK$417/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,027
+HK$853/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,348/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,093
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$509/mo
Today · 4.125%
HK$17,102
baseline
▲ 0.50% · 4.625%
HK$18,142
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,204/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,903
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$487/mo
Today · 4.125%
HK$18,870
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,740/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,690
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$654/mo
Today · 4.125%
HK$21,988
baseline
▲ 0.50% · 4.625%
HK$23,326
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,976/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,018
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$627/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,278/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,422 · 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).