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$11,482
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,839
−HK$363/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,404/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,774
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,116
−HK$348/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,173
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,928/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,778
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$435/mo
Today · 4.125%
HK$14,642
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,284/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,328
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$417/mo
Today · 4.125%
HK$16,156
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,312/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,075
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,575
−HK$508/mo
Today · 4.125%
HK$17,083
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,166/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,883
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$486/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$994/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$653/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,336/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,609
−HK$626/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,277/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,297 · 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).