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$11,481
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$363/mo
Today · 4.125%
HK$12,201
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,402/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,773
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$348/mo
Today · 4.125%
HK$13,463
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,926/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,777
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$435/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,327
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$417/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,007
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,074
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$508/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$18,121
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,164/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,361
−HK$487/mo
Today · 4.125%
HK$18,848
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,696/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,666
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$653/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,336/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$626/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,277/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,288 · 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).