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$11,504
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$364/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,452/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,142
−HK$348/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,980/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,805
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$437/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,342/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,358
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$418/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,376/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,106
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$509/mo
Today · 4.125%
HK$17,116
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,232/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$488/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$654/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,339/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$627/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,561
+HK$1,279/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,516 · 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).