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$11,435
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$361/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$346/mo
Today · 4.125%
HK$13,409
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$706/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,818/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,722
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$434/mo
Today · 4.125%
HK$14,583
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,166/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$415/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,009
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$506/mo
Today · 4.125%
HK$17,013
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,026/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,810
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$484/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,762
+HK$990/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$651/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,205
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$623/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,408
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,833 · 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).