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$11,507
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$363/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,456/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,801
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,144
−HK$349/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,986/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$436/mo
Today · 4.125%
HK$14,674
baseline
▲ 0.50% · 4.625%
HK$15,567
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,348/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,361
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$418/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,045
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,382/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,109
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,610
−HK$510/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,161
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,921
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,402
−HK$488/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,712
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$655/mo
Today · 4.125%
HK$22,011
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,339/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,022/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,042
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,660
−HK$627/mo
Today · 4.125%
HK$24,287
baseline
▲ 0.50% · 4.625%
HK$25,567
+HK$1,280/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,574/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,540 · 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).