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$11,492
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$363/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,956
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,424/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,784
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$348/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,950/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,790
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$436/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,341
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$417/mo
Today · 4.125%
HK$16,170
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$853/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,340/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,088
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,589
−HK$508/mo
Today · 4.125%
HK$17,097
baseline
▲ 0.50% · 4.625%
HK$18,138
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,194/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,898
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$487/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,730/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,685
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$653/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,320
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,012
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$626/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,393 · 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).