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$11,479
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,837
−HK$362/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,942
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,398/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,771
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$348/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,922/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,775
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$435/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,530
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,278/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,325
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$417/mo
Today · 4.125%
HK$16,153
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,306/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,071
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,571
−HK$508/mo
Today · 4.125%
HK$17,079
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,158/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,879
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,359
−HK$486/mo
Today · 4.125%
HK$18,845
baseline
▲ 0.50% · 4.625%
HK$19,838
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,690/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$653/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,604
−HK$625/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,272 · 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).