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$11,482
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$363/mo
Today · 4.125%
HK$12,203
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,406/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,774
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$347/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,174
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,928/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,779
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$435/mo
Today · 4.125%
HK$14,643
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,286/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,329
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$417/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,314/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,075
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$508/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$18,123
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$487/mo
Today · 4.125%
HK$18,850
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$994/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,700/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$654/mo
Today · 4.125%
HK$21,965
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,336/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,930/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$626/mo
Today · 4.125%
HK$24,236
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,277/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,472/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,302 · 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).