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$11,785
−HK$362/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$112,783 · 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$14,109
+HK$706/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$112,783 · 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$112,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$415/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,002
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$505/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,802
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$485/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$112,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$650/mo
Today · 4.125%
HK$21,864
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,728/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,888
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,502
−HK$623/mo
Today · 4.125%
HK$24,125
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,250/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,783 · 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).