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$11,474
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$362/mo
Today · 4.125%
HK$12,193
baseline
▲ 0.50% · 4.625%
HK$12,935
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,386/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,765
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,107
−HK$347/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,163
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,908/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,769
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$435/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,264/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$417/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,290/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$508/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$18,109
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,870
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$486/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$653/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,283
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,976
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$625/mo
Today · 4.125%
HK$24,217
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,434/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,216 · 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).