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$11,476
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$362/mo
Today · 4.125%
HK$12,195
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,390/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,767
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,109
−HK$347/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,912/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,771
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$435/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,320
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$417/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$16,999
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,066
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$507/mo
Today · 4.125%
HK$17,073
baseline
▲ 0.50% · 4.625%
HK$18,112
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,146/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,873
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$486/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,656
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,299
−HK$653/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$625/mo
Today · 4.125%
HK$24,221
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,442/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,235 · 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).