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$11,513
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$363/mo
Today · 4.125%
HK$12,235
baseline
▲ 0.50% · 4.625%
HK$12,980
+HK$745/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,470/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,809
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,152
−HK$349/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,212
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,816
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$436/mo
Today · 4.125%
HK$14,682
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,364/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,370
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$419/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,119
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,620
−HK$510/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$1,042/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,932
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$488/mo
Today · 4.125%
HK$18,901
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,802/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,724
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$655/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,674
−HK$627/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,607 · 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).