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$11,506
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$364/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,971
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,454/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,800
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$348/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,203
+HK$712/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,807
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$436/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,360
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$418/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,043
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$509/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,159
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$488/mo
Today · 4.125%
HK$18,888
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,776/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,710
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$655/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,348
+HK$1,339/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$626/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,530 · 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).