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$11,471
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$362/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,932
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,761
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$348/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,902/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,765
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$435/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,518
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,256/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,313
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$417/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,059
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$507/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$18,105
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,866
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,345
−HK$486/mo
Today · 4.125%
HK$18,831
baseline
▲ 0.50% · 4.625%
HK$19,824
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,662/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,648
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$652/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,970
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$625/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,276/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,187 · 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).