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$11,479
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$363/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,941
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,398/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,770
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$347/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,775
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,203
−HK$435/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,529
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,276/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,324
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$417/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,070
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,570
−HK$508/mo
Today · 4.125%
HK$17,078
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,156/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,878
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$486/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,662
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$653/mo
Today · 4.125%
HK$21,958
baseline
▲ 0.50% · 4.625%
HK$23,294
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,916/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,986
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$625/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,505
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,266 · 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).