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$11,455
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$362/mo
Today · 4.125%
HK$12,174
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,348/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,744
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,086
−HK$346/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,864/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,746
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,174
−HK$434/mo
Today · 4.125%
HK$14,608
baseline
▲ 0.50% · 4.625%
HK$15,497
+HK$889/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,216/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,293
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,703
−HK$416/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$16,969
+HK$850/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,238/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,037
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,536
−HK$507/mo
Today · 4.125%
HK$17,043
baseline
▲ 0.50% · 4.625%
HK$18,080
+HK$1,037/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,086/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,320
−HK$485/mo
Today · 4.125%
HK$18,805
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$992/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,610/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$652/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,333/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$624/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,275/mo
Deposit HK$502K · loan HK$4.52M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$113,034 · 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).