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$11,447
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$362/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,330/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,735
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$347/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,846/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,736
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,164
−HK$434/mo
Today · 4.125%
HK$14,598
baseline
▲ 0.50% · 4.625%
HK$15,486
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,196/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,282
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$416/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,026
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$507/mo
Today · 4.125%
HK$17,031
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,062/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,307
−HK$485/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,245
−HK$652/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$624/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,951 · 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).