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$11,498
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$364/mo
Today · 4.125%
HK$12,219
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,438/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,791
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$348/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,193
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,964/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,797
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$436/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,555
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,349
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$418/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,358/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,097
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$508/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,147
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,908
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,388
−HK$487/mo
Today · 4.125%
HK$18,875
baseline
▲ 0.50% · 4.625%
HK$19,870
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,750/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$654/mo
Today · 4.125%
HK$21,994
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,988/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,024
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$626/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,547
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,453 · 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).