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$11,447
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$361/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,328/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,734
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$346/mo
Today · 4.125%
HK$13,422
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,844/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,736
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$434/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,486
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,194/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,281
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$416/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,025
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$506/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$485/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$991/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,245
−HK$651/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,228
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,536
−HK$624/mo
Today · 4.125%
HK$24,160
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,320/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,948 · 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).