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$11,502
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$363/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,446/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,796
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$348/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,974/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$436/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,336/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,355
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,767
−HK$417/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,103
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$508/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$487/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$655/mo
Today · 4.125%
HK$22,002
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$44,004/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$627/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,556
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,493 · 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).