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$11,533
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,892
−HK$364/mo
Today · 4.125%
HK$12,256
baseline
▲ 0.50% · 4.625%
HK$13,002
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,512/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,175
−HK$349/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,048/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,840
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$438/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,416/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$419/mo
Today · 4.125%
HK$16,228
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$856/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,456/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,146
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$510/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,203
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,963
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$489/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,866/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,760
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$656/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,404
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,095
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,714
−HK$629/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,801 · 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).