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$11,477
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$363/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,394/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,768
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$347/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,167
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,916/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$435/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$417/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,068
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$508/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,152/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$486/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,682/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,659
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,301
−HK$653/mo
Today · 4.125%
HK$21,954
baseline
▲ 0.50% · 4.625%
HK$23,290
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,908/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,983
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$625/mo
Today · 4.125%
HK$24,224
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,448/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,249 · 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).