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$11,501
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,859
−HK$364/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,966
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,446/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,795
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$349/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,974/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$436/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,354
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$418/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,102
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$509/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,913
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$487/mo
Today · 4.125%
HK$18,881
baseline
▲ 0.50% · 4.625%
HK$19,876
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,762/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$654/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,339/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,031
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,649
−HK$627/mo
Today · 4.125%
HK$24,276
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,552/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,489 · 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).