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$11,537
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,896
−HK$365/mo
Today · 4.125%
HK$12,261
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,522/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,835
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$349/mo
Today · 4.125%
HK$13,528
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,056/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,845
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$438/mo
Today · 4.125%
HK$14,713
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$895/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,426/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,402
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,815
−HK$419/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,090
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,468/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,152
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$511/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,330/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$489/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,767
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$656/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$628/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,284/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,841 · 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).