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$11,560
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,919
−HK$365/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$748/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,860
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$350/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,269
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,872
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,303
−HK$438/mo
Today · 4.125%
HK$14,741
baseline
▲ 0.50% · 4.625%
HK$15,638
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,482/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$420/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,123
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,687
−HK$511/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,004
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,487
−HK$490/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$19,977
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$657/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,346/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$629/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,685
+HK$1,287/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,063 · 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).