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$11,445
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$362/mo
Today · 4.125%
HK$12,163
baseline
▲ 0.50% · 4.625%
HK$12,903
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,326/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$347/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,128
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,842/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,735
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$434/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,484
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,192/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,280
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,689
−HK$416/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,522
−HK$506/mo
Today · 4.125%
HK$17,028
baseline
▲ 0.50% · 4.625%
HK$18,065
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,056/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,826
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,304
−HK$485/mo
Today · 4.125%
HK$18,789
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$991/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,578/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$651/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$624/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,936 · 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).