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$11,430
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,786
−HK$361/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,294/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,716
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$346/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,806/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,716
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$433/mo
Today · 4.125%
HK$14,576
baseline
▲ 0.50% · 4.625%
HK$15,463
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,152/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$415/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$847/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,002
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$506/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,803
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$484/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,753
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$651/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$623/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,397
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,787 · 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).