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$11,453
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$362/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,342/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,742
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$347/mo
Today · 4.125%
HK$13,430
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,860/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,744
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$435/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,290
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$416/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,035
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$507/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,080/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$485/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,604/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,616
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$652/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$624/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,448
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,013 · 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).