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$11,501
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$364/mo
Today · 4.125%
HK$12,222
baseline
▲ 0.50% · 4.625%
HK$12,966
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,444/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,794
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$348/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,972/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,801
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$436/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,332/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,353
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$418/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,366/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,101
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$509/mo
Today · 4.125%
HK$17,111
baseline
▲ 0.50% · 4.625%
HK$18,152
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,222/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,912
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$487/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,701
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$654/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,339/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$626/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,554
+HK$1,280/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,481 · 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).