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$11,457
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,813
−HK$362/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,916
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,350/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$346/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,868/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,748
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$435/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,500
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,295
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$416/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,242/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,040
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$507/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$485/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$652/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,249
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,943
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$624/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,457
+HK$1,275/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,051 · 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).