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$11,488
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$363/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,951
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,416/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$348/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,785
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$436/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$891/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,336
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$418/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,330/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,083
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$509/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,892
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$487/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$654/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,312
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,004
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$626/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,355 · 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).