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$11,444
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,800
−HK$362/mo
Today · 4.125%
HK$12,162
baseline
▲ 0.50% · 4.625%
HK$12,902
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,324/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,731
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$346/mo
Today · 4.125%
HK$13,419
baseline
▲ 0.50% · 4.625%
HK$14,127
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,838/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,733
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$434/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$416/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,206/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,022
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$506/mo
Today · 4.125%
HK$17,026
baseline
▲ 0.50% · 4.625%
HK$18,062
+HK$1,036/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,052/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$485/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,574/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,599
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$651/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,223
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,916
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$624/mo
Today · 4.125%
HK$24,155
baseline
▲ 0.50% · 4.625%
HK$25,428
+HK$1,273/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,310/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,922 · 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).