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$11,512
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$363/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$745/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,466/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$348/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$712/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,996/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,814
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,244
−HK$436/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,360/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,368
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,780
−HK$418/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,052
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,618
−HK$509/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,929
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$488/mo
Today · 4.125%
HK$18,898
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,796/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$655/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$627/mo
Today · 4.125%
HK$24,297
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,594/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,589 · 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).