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$11,462
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$363/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$741/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,362/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,751
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$347/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,754
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$435/mo
Today · 4.125%
HK$14,617
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,234/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,712
−HK$416/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,047
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$507/mo
Today · 4.125%
HK$17,053
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,106/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$486/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$652/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,334/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$624/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,275/mo
Deposit HK$503K · loan HK$4.52M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,098 · 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).