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$11,575
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,935
−HK$366/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,602/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,877
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$350/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,890
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$439/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,660
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,453
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$421/mo
Today · 4.125%
HK$16,288
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,576/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,205
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$513/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,269
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,444/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$490/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,835
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$658/mo
Today · 4.125%
HK$22,142
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,284/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,179
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$631/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,287/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,217 · 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).