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$11,516
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,874
−HK$364/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$744/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,476/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,811
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$349/mo
Today · 4.125%
HK$13,503
baseline
▲ 0.50% · 4.625%
HK$14,215
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,006/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,819
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$437/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$419/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,058
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,122
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$510/mo
Today · 4.125%
HK$17,133
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$1,042/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,266/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,416
−HK$488/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$19,901
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,728
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$655/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,340/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,060
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,678
−HK$627/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,587
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,628 · 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).