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$11,536
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$365/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$349/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,054/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,844
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,274
−HK$438/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,607
+HK$895/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,401
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$419/mo
Today · 4.125%
HK$16,233
baseline
▲ 0.50% · 4.625%
HK$17,089
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,466/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,151
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$511/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,968
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$488/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,765
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$657/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$628/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,284/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,833 · 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).