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$11,500
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,857
−HK$364/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,964
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,442/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,793
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$349/mo
Today · 4.125%
HK$13,485
baseline
▲ 0.50% · 4.625%
HK$14,195
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,970/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,800
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$436/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,557
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,330/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,352
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,764
−HK$417/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,100
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,600
−HK$509/mo
Today · 4.125%
HK$17,109
baseline
▲ 0.50% · 4.625%
HK$18,150
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,218/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,911
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,391
−HK$487/mo
Today · 4.125%
HK$18,878
baseline
▲ 0.50% · 4.625%
HK$19,873
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,756/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,343
−HK$655/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,028
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$626/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,280/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,472 · 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).