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$11,541
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$365/mo
Today · 4.125%
HK$12,265
baseline
▲ 0.50% · 4.625%
HK$13,011
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,530/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,839
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,184
−HK$349/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,066/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,849
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,280
−HK$438/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$895/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,407
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$419/mo
Today · 4.125%
HK$16,240
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,480/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,158
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,660
−HK$511/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$489/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$19,945
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,420
−HK$657/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,343/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,111
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$629/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,284/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,881 · 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).