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$11,477
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$362/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,768
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$347/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,167
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,914/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,772
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$436/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,321
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$417/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,067
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$508/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$18,114
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,150/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$486/mo
Today · 4.125%
HK$18,840
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$994/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,680/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,658
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,301
−HK$652/mo
Today · 4.125%
HK$21,953
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,906/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,982
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$625/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,244 · 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).