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$717/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$361/mo
Today · 4.125%
HK$12,153
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$740/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,306/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,722
−HK$688/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$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,723
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$434/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$887/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$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,267
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$416/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$848/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$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$1,036/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$485/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$989/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$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,585
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$651/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,331/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$112,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,900
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,514
−HK$623/mo
Today · 4.125%
HK$24,137
baseline
▲ 0.50% · 4.625%
HK$25,410
+HK$1,273/mo
Deposit HK$502K · loan HK$4.51M · min. income ≈ HK$48,274/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,842 · 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).