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$11,521
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$364/mo
Today · 4.125%
HK$12,243
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,486/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,816
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,160
−HK$349/mo
Today · 4.125%
HK$13,509
baseline
▲ 0.50% · 4.625%
HK$14,221
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,018/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,825
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$437/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,585
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,380
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$419/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,422/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,129
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$510/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,943
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$488/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,737
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$655/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,688
−HK$628/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,598
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,677 · 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).