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$11,511
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$364/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,977
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,466/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,806
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$349/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,209
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,996/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,813
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$436/mo
Today · 4.125%
HK$14,679
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,358/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,367
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$418/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,115
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,616
−HK$510/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,168
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,409
−HK$488/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,720
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$655/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,359
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$628/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,280/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,582 · 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).