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$11,530
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$364/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,506/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,827
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$349/mo
Today · 4.125%
HK$13,520
baseline
▲ 0.50% · 4.625%
HK$14,233
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,040/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,836
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$437/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,598
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,393
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,805
−HK$419/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,448/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,142
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$510/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,958
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$488/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$628/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,772 · 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).