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$11,441
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,797
−HK$362/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,899
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,318/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,728
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$346/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,729
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$433/mo
Today · 4.125%
HK$14,590
baseline
▲ 0.50% · 4.625%
HK$15,478
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,180/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,274
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,684
−HK$415/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,198/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$506/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$18,058
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,044/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,820
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$485/mo
Today · 4.125%
HK$18,782
baseline
▲ 0.50% · 4.625%
HK$19,772
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,564/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,594
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,235
−HK$651/mo
Today · 4.125%
HK$21,886
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,331/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,772/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$624/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,422
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,895 · 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).