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$721/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$363/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$348/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,805
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$436/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$418/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,105
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$509/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,230/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,917
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$487/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,707
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,351
−HK$654/mo
Today · 4.125%
HK$22,005
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,339/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$44,010/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,036
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,654
−HK$627/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,561
+HK$1,280/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,513 · 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).