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$11,461
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$362/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,751
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$346/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,878/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,754
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,181
−HK$435/mo
Today · 4.125%
HK$14,616
baseline
▲ 0.50% · 4.625%
HK$15,505
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,232/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$416/mo
Today · 4.125%
HK$16,127
baseline
▲ 0.50% · 4.625%
HK$16,977
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,254/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,046
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$507/mo
Today · 4.125%
HK$17,052
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,104/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,851
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$485/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,630/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,272
−HK$652/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,951
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$624/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,466
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,093 · 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).