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$11,434
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$361/mo
Today · 4.125%
HK$12,151
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,302/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,720
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$346/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,114
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,814/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,721
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,148
−HK$433/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,162/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,264
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$415/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,178/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$505/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$1,036/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$484/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$990/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$651/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,203
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$623/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,273/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,823 · 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).