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$11,481
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$362/mo
Today · 4.125%
HK$12,200
baseline
▲ 0.50% · 4.625%
HK$12,943
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,400/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,772
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$347/mo
Today · 4.125%
HK$13,462
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,924/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,777
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$436/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,531
+HK$890/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,326
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,737
−HK$417/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,073
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$508/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$1,039/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,881
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,360
−HK$487/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,840
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,665
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$653/mo
Today · 4.125%
HK$21,961
baseline
▲ 0.50% · 4.625%
HK$23,297
+HK$1,336/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,922/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,606
−HK$626/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,277/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,283 · 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).