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$11,463
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,820
−HK$362/mo
Today · 4.125%
HK$12,182
baseline
▲ 0.50% · 4.625%
HK$12,923
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,364/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,753
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$347/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$435/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,508
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$416/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$16,980
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,049
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$507/mo
Today · 4.125%
HK$17,055
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,110/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,854
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$486/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$652/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$624/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,276/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,113 · 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).