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$11,496
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$363/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,960
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$348/mo
Today · 4.125%
HK$13,480
baseline
▲ 0.50% · 4.625%
HK$14,190
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,960/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,795
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$436/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,552
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,320/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,346
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,758
−HK$417/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,028
+HK$853/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,350/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,094
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,594
−HK$509/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,904
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$487/mo
Today · 4.125%
HK$18,871
baseline
▲ 0.50% · 4.625%
HK$19,866
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,742/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,692
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,336
−HK$653/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,020
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,637
−HK$626/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,430 · 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).