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$11,459
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$362/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,354/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,748
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$347/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,751
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$435/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,297
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$416/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,042
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$507/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$18,086
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,096/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,847
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,326
−HK$485/mo
Today · 4.125%
HK$18,811
baseline
▲ 0.50% · 4.625%
HK$19,803
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,622/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$651/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,253
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$624/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,069 · 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).