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$11,584
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$366/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,620/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,887
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$350/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,166/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,901
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$439/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,544/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,464
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$421/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,600/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,217
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,722
−HK$512/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,283
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,468/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,042
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$490/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,019
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$658/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$631/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,302 · 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).