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$11,532
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$365/mo
Today · 4.125%
HK$12,256
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,512/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$349/mo
Today · 4.125%
HK$13,523
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,046/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,839
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$438/mo
Today · 4.125%
HK$14,707
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,414/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,396
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$418/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,083
+HK$856/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,145
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,648
−HK$510/mo
Today · 4.125%
HK$17,158
baseline
▲ 0.50% · 4.625%
HK$18,202
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,316/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,962
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,443
−HK$489/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$19,930
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,758
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$656/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$628/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,794 · 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).