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$11,465
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$363/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,925
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,368/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,755
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,097
−HK$347/mo
Today · 4.125%
HK$13,444
baseline
▲ 0.50% · 4.625%
HK$14,152
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,888/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,758
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$435/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,242/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,305
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$416/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,264/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,051
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$507/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$18,095
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,856
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$486/mo
Today · 4.125%
HK$18,821
baseline
▲ 0.50% · 4.625%
HK$19,813
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,642/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,637
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,279
−HK$652/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,334/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,574
−HK$625/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,474
+HK$1,275/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,128 · 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).