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$11,448
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,804
−HK$362/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,906
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,332/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,736
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$346/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,132
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,848/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,738
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$434/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,198/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,283
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$416/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$16,958
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,218/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,027
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$506/mo
Today · 4.125%
HK$17,032
baseline
▲ 0.50% · 4.625%
HK$18,069
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$34,064/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,830
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$485/mo
Today · 4.125%
HK$18,794
baseline
▲ 0.50% · 4.625%
HK$19,784
+HK$990/mo
Deposit HK$1.51M · loan HK$3.51M · min. income ≈ HK$37,588/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,607
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$651/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,332/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,925
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$623/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,437
+HK$1,274/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$112,963 · 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).