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$11,451
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$362/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,910
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,340/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,740
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$347/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,856/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,742
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$434/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,206/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,288
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$415/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,032
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$506/mo
Today · 4.125%
HK$17,037
baseline
▲ 0.50% · 4.625%
HK$18,074
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,074/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,835
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$485/mo
Today · 4.125%
HK$18,799
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,598/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,613
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$651/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,810/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,931
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,546
−HK$624/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,995 · 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).