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$11,463
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$362/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,923
+HK$742/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,362/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,752
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$347/mo
Today · 4.125%
HK$13,441
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,882/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,755
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$435/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$416/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,258/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,048
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$507/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,108/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,853
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$485/mo
Today · 4.125%
HK$18,817
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,634/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,633
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,275
−HK$652/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,261
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,954
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$625/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,106 · 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).