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$11,603
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$366/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$751/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,660/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$351/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,210/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,923
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$440/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,592/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,489
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,905
−HK$421/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$513/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,071
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$491/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$660/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$632/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,488 · 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).