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$11,490
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$364/mo
Today · 4.125%
HK$12,211
baseline
▲ 0.50% · 4.625%
HK$12,954
+HK$743/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,422/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$348/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,788
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$436/mo
Today · 4.125%
HK$14,653
baseline
▲ 0.50% · 4.625%
HK$15,544
+HK$891/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,306/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$418/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,086
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$509/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,896
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$487/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,682
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$654/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,337/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,009
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$626/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,278/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,376 · 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).