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$11,601
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$367/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,658/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$351/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,320
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,206/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,921
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,354
−HK$440/mo
Today · 4.125%
HK$14,794
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,588/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,487
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$421/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,242
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$513/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,069
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$492/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,049
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,090/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$659/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,542
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,231
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$632/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,777
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,472 · 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).