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$11,520
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$364/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,484/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,815
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,159
−HK$349/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,016/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,823
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$437/mo
Today · 4.125%
HK$14,690
baseline
▲ 0.50% · 4.625%
HK$15,584
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,380/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,378
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,791
−HK$418/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,127
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$510/mo
Today · 4.125%
HK$17,139
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,278/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$488/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,735
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$655/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,686
−HK$628/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,668 · 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).