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$11,524
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$364/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$349/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$437/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$418/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,133
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$510/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,188
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$489/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$655/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,342/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$628/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,708 · 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).