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$11,437
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,793
−HK$361/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,894
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,308/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,724
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,065
−HK$346/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,822/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$434/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,268
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$415/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,012
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,510
−HK$506/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$18,051
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,032/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,813
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$485/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,587
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,227
−HK$651/mo
Today · 4.125%
HK$21,878
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,331/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$43,756/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,903
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,517
−HK$623/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,272/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,854 · 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).