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$11,822
−HK$362/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,926
+HK$742/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$113,134 · 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$14,153
+HK$709/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$113,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,759
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$434/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,511
+HK$890/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$113,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,306
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$416/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,266/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,052
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$507/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,116/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$486/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,814
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,638
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,280
−HK$652/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,267
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$625/mo
Today · 4.125%
HK$24,200
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,275/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,400/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,134 · 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).