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$11,478
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$362/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,940
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,394/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,769
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$348/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,918/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$435/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$416/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,069
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$507/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,152/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$486/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,303
−HK$652/mo
Today · 4.125%
HK$21,955
baseline
▲ 0.50% · 4.625%
HK$23,291
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,910/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$626/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,255 · 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).