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$11,503
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$364/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,968
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,797
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,140
−HK$349/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,804
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$437/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$417/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,105
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$509/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$487/mo
Today · 4.125%
HK$18,884
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,768/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$654/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,343
+HK$1,339/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$627/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,559
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,507 · 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).