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$11,530
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$365/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,508/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$349/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,233
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,837
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$437/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,599
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,393
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$419/mo
Today · 4.125%
HK$16,225
baseline
▲ 0.50% · 4.625%
HK$17,080
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,450/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$510/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$489/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$628/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,620
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,775 · 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).