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$11,440
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$362/mo
Today · 4.125%
HK$12,158
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,316/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,727
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$346/mo
Today · 4.125%
HK$13,415
baseline
▲ 0.50% · 4.625%
HK$14,122
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,830/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,728
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,156
−HK$433/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,178/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,273
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$416/mo
Today · 4.125%
HK$16,098
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,196/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,017
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$506/mo
Today · 4.125%
HK$17,021
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,042/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$485/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,593
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$651/mo
Today · 4.125%
HK$21,884
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,768/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,909
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$623/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,886 · 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).