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$723/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$365/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,510/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,829
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$349/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,235
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,044/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,838
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$437/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,395
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$418/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$856/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$510/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$489/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,757
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$656/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,092
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$629/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,788 · 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).