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$720/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$363/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,388/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,765
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$347/mo
Today · 4.125%
HK$13,455
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$709/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,910/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,769
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$435/mo
Today · 4.125%
HK$14,633
baseline
▲ 0.50% · 4.625%
HK$15,523
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,266/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,318
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,729
−HK$417/mo
Today · 4.125%
HK$16,146
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,292/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$508/mo
Today · 4.125%
HK$17,072
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,144/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$486/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,830
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,654
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$652/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,285
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$625/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,276/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,223 · 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).