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$11,512
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$364/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,468/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$349/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,998/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,814
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,244
−HK$437/mo
Today · 4.125%
HK$14,681
baseline
▲ 0.50% · 4.625%
HK$15,574
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,362/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,368
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$418/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,117
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,618
−HK$509/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,170
+HK$1,043/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$487/mo
Today · 4.125%
HK$18,898
baseline
▲ 0.50% · 4.625%
HK$19,895
+HK$997/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,796/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,722
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$655/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,361
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$627/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,579
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,593 · 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).