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$11,464
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$362/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,366/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,754
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$347/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,886/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,757
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,185
−HK$435/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,240/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,715
−HK$416/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$16,982
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,262/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,050
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$507/mo
Today · 4.125%
HK$17,056
baseline
▲ 0.50% · 4.625%
HK$18,094
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,112/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,334
−HK$486/mo
Today · 4.125%
HK$18,820
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,640/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$652/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,264
+HK$1,335/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,957
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$625/mo
Today · 4.125%
HK$24,197
baseline
▲ 0.50% · 4.625%
HK$25,472
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,394/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,120 · 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).