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$11,492
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$363/mo
Today · 4.125%
HK$12,213
baseline
▲ 0.50% · 4.625%
HK$12,956
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,426/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,785
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$348/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,952/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,791
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$435/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,342
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$418/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,342/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,089
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$508/mo
Today · 4.125%
HK$17,098
baseline
▲ 0.50% · 4.625%
HK$18,138
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,196/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,899
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,379
−HK$487/mo
Today · 4.125%
HK$18,866
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,732/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$654/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$626/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,397 · 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).