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$11,563
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,923
−HK$365/mo
Today · 4.125%
HK$12,288
baseline
▲ 0.50% · 4.625%
HK$13,036
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,576/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,864
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,209
−HK$350/mo
Today · 4.125%
HK$13,559
baseline
▲ 0.50% · 4.625%
HK$14,274
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,118/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,308
−HK$438/mo
Today · 4.125%
HK$14,746
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,492/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,437
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$420/mo
Today · 4.125%
HK$16,271
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,542/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,189
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$512/mo
Today · 4.125%
HK$17,204
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,408/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,010
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$490/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$658/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,465
+HK$1,346/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,776
−HK$630/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,693
+HK$1,287/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,099 · 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).