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$11,519
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,877
−HK$364/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,986
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,482/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,814
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$349/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,014/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,822
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$437/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,378/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,377
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$418/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,416/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,126
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$509/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,421
−HK$488/mo
Today · 4.125%
HK$18,909
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,818/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$656/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,340/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,066
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$628/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,658 · 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).