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$11,486
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$363/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,412/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,778
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$348/mo
Today · 4.125%
HK$13,468
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,936/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,783
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,212
−HK$435/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,294/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,333
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,745
−HK$417/mo
Today · 4.125%
HK$16,162
baseline
▲ 0.50% · 4.625%
HK$17,014
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,324/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,080
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$508/mo
Today · 4.125%
HK$17,088
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,176/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$486/mo
Today · 4.125%
HK$18,855
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,710/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,317
−HK$654/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,308
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,000
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$626/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,521
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,334 · 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).