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$11,527
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$364/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,995
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,498/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,823
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$349/mo
Today · 4.125%
HK$13,516
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,032/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,832
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$437/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,594
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,388
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$418/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$510/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,953
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$488/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$19,920
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,748
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,393
−HK$656/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,342/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,082
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$628/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,737 · 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).