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$11,442
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$362/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,320/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,730
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,071
−HK$346/mo
Today · 4.125%
HK$13,417
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,834/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,731
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,158
−HK$434/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,184/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,275
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$416/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$16,949
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,019
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$506/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,048/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,821
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,299
−HK$485/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,774
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,596
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,237
−HK$651/mo
Today · 4.125%
HK$21,888
baseline
▲ 0.50% · 4.625%
HK$23,220
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,776/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,913
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,528
−HK$623/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,906 · 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).