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$11,439
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,795
−HK$361/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,896
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,312/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,726
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,067
−HK$346/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,727
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,154
−HK$433/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,174/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,271
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$416/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,192/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,014
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$506/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,038/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$484/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$990/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$651/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,332/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$624/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,272/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,871 · 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).