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$11,458
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$362/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,917
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,352/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,747
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$347/mo
Today · 4.125%
HK$13,435
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$708/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,870/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,749
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,177
−HK$434/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,500
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,296
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,706
−HK$416/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$16,972
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,041
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$507/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$18,084
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,094/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,845
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$485/mo
Today · 4.125%
HK$18,809
baseline
▲ 0.50% · 4.625%
HK$19,801
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,618/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$652/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,334/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$624/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,275/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,057 · 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).