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$11,435
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$362/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$346/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,816/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,722
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,148
−HK$434/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,164/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,265
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$415/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,009
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$505/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$1,036/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$485/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$650/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$623/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,830 · 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).