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$11,438
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$362/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,312/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,725
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$347/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,726
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$434/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,174/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,270
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$415/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,014
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$506/mo
Today · 4.125%
HK$17,018
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,036/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,815
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$485/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,767
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$650/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,332/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$623/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,415
+HK$1,272/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,867 · 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).