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$11,527
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$364/mo
Today · 4.125%
HK$12,250
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,500/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,824
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$349/mo
Today · 4.125%
HK$13,517
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,034/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,833
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$437/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,400/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,389
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$418/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,138
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$510/mo
Today · 4.125%
HK$17,150
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,300/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$489/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,395
−HK$656/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,392
+HK$1,341/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,083
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$628/mo
Today · 4.125%
HK$24,331
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,282/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,662/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,745 · 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).