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$11,523
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$364/mo
Today · 4.125%
HK$12,245
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,490/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$349/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,024/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,827
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$437/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,588
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,388/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$419/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,068
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$509/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,947
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$488/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,832/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,741
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$656/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$628/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,699 · 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).