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$11,438
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,793
−HK$362/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,894
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,310/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,724
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,065
−HK$347/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,119
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,824/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$434/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$415/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$506/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,034/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,814
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$484/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$990/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,228
−HK$651/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,331/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$623/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,272/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,859 · 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).