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$11,535
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$365/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$13,004
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,518/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,833
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,177
−HK$349/mo
Today · 4.125%
HK$13,526
baseline
▲ 0.50% · 4.625%
HK$14,239
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,052/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,842
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$437/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,605
+HK$895/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,420/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,399
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$419/mo
Today · 4.125%
HK$16,231
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,462/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,149
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$510/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,324/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$489/mo
Today · 4.125%
HK$18,937
baseline
▲ 0.50% · 4.625%
HK$19,935
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,874/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,409
−HK$656/mo
Today · 4.125%
HK$22,065
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,130/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,099
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,719
−HK$628/mo
Today · 4.125%
HK$24,347
baseline
▲ 0.50% · 4.625%
HK$25,630
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,694/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,822 · 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).