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$11,523
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$364/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$349/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,024/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$437/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,589
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,796
−HK$419/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,133
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$510/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,288/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,947
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$488/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,387
−HK$656/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,075
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$628/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,704 · 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).