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$11,435
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$362/mo
Today · 4.125%
HK$12,153
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,306/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,722
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$346/mo
Today · 4.125%
HK$13,409
baseline
▲ 0.50% · 4.625%
HK$14,116
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,818/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,723
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$434/mo
Today · 4.125%
HK$14,583
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,166/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$415/mo
Today · 4.125%
HK$16,091
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,182/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$485/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,762
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,584
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,224
−HK$651/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$623/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,273/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,838 · 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).