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$11,496
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,854
−HK$363/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,961
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,434/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,790
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,133
−HK$348/mo
Today · 4.125%
HK$13,481
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,962/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,796
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$436/mo
Today · 4.125%
HK$14,661
baseline
▲ 0.50% · 4.625%
HK$15,553
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,322/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,348
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,759
−HK$418/mo
Today · 4.125%
HK$16,177
baseline
▲ 0.50% · 4.625%
HK$17,029
+HK$852/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,354/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,095
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,596
−HK$508/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,145
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,905
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,386
−HK$487/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$19,868
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,694
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$654/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$626/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,544
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,439 · 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).