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$11,436
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$362/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,308/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,723
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$346/mo
Today · 4.125%
HK$13,410
baseline
▲ 0.50% · 4.625%
HK$14,117
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,820/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,724
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$433/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$888/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,267
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$415/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$849/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$506/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,290
−HK$484/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$990/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$650/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,208
+HK$1,332/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$623/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,273/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,847 · 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).