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$11,531
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$364/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,508/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$349/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,837
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$437/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,410/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,394
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$419/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$510/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,960
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$489/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$656/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,091
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,710
−HK$629/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,783 · 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).