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$11,489
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$363/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,952
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,418/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,781
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,124
−HK$348/mo
Today · 4.125%
HK$13,472
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,944/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,787
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$435/mo
Today · 4.125%
HK$14,651
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,302/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,338
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,749
−HK$417/mo
Today · 4.125%
HK$16,166
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,332/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,085
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,585
−HK$508/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$18,133
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,894
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$487/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$19,855
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$654/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$626/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,279/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,365 · 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).