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$11,509
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$364/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,975
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,462/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,803
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$348/mo
Today · 4.125%
HK$13,495
baseline
▲ 0.50% · 4.625%
HK$14,207
+HK$712/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,990/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,811
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,240
−HK$437/mo
Today · 4.125%
HK$14,677
baseline
▲ 0.50% · 4.625%
HK$15,570
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,354/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,364
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$418/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,048
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,388/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,112
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,614
−HK$509/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,925
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$487/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,716
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$655/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$627/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,572
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,562 · 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).