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$11,456
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$362/mo
Today · 4.125%
HK$12,174
baseline
▲ 0.50% · 4.625%
HK$12,915
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,348/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,745
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$346/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,866/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,747
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,175
−HK$434/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,498
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,294
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,704
−HK$416/mo
Today · 4.125%
HK$16,120
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,240/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,039
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,537
−HK$507/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,843
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$486/mo
Today · 4.125%
HK$18,807
baseline
▲ 0.50% · 4.625%
HK$19,798
+HK$991/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,614/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,262
−HK$652/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,334/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$624/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,275/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,041 · 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).