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$11,460
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,817
−HK$362/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,358/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,749
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$347/mo
Today · 4.125%
HK$13,438
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,876/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,752
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$435/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,230/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$416/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$507/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,100/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$485/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,626/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$652/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$625/mo
Today · 4.125%
HK$24,189
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,378/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,082 · 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).