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$11,431
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$361/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,296/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,717
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$346/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,808/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,717
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$434/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$415/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,004
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$505/mo
Today · 4.125%
HK$17,007
baseline
▲ 0.50% · 4.625%
HK$18,042
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,014/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,804
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$484/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$651/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,734/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,505
−HK$623/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,399
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,796 · 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).