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$11,514
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$364/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,981
+HK$745/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,472/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,809
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$348/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$712/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,817
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$436/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,366/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,371
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,783
−HK$419/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,120
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$510/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,933
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$488/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$19,898
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,725
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$655/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,675
−HK$627/mo
Today · 4.125%
HK$24,302
baseline
▲ 0.50% · 4.625%
HK$25,583
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,604/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,613 · 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).