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$11,485
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,842
−HK$363/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,410/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,777
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$348/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,177
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,934/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$435/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$891/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,292/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,332
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$418/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$851/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,322/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,579
−HK$508/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$18,127
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$487/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,673
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$653/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,938/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$626/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,325 · 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).