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$11,569
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$365/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,588/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$350/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,130/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,882
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$439/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$898/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,506/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,444
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$421/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$512/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,018
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$491/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$19,993
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$659/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,346/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$630/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,287/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,153 · 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).