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$12,947
+HK$742/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$113,323 · 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$113,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$436/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$113,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,332
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$417/mo
Today · 4.125%
HK$16,160
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$852/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,320/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,323 · 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$18,126
+HK$1,039/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$113,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,887
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$487/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$19,847
+HK$993/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$113,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,672
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,315
−HK$654/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,336/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$113,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$625/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,518
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,323 · 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).