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$11,460
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$363/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,358/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,749
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$347/mo
Today · 4.125%
HK$13,438
baseline
▲ 0.50% · 4.625%
HK$14,146
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,876/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,752
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$434/mo
Today · 4.125%
HK$14,614
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,228/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$416/mo
Today · 4.125%
HK$16,125
baseline
▲ 0.50% · 4.625%
HK$16,975
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,250/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$507/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,100/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$486/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,626/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$651/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,948
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$624/mo
Today · 4.125%
HK$24,188
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,376/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,079 · 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).