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$11,432
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$361/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,296/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,718
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,059
−HK$346/mo
Today · 4.125%
HK$13,405
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$706/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,810/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$433/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$416/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$847/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,004
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$506/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$484/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,756
+HK$990/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,577
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$650/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,734/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,505
−HK$623/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,400
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,799 · 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).