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$11,546
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$365/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,542/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,845
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,190
−HK$349/mo
Today · 4.125%
HK$13,539
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,078/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,856
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,287
−HK$438/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,450/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,414
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$419/mo
Today · 4.125%
HK$16,247
baseline
▲ 0.50% · 4.625%
HK$17,104
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,494/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,165
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$511/mo
Today · 4.125%
HK$17,179
baseline
▲ 0.50% · 4.625%
HK$18,224
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,358/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,466
−HK$489/mo
Today · 4.125%
HK$18,955
baseline
▲ 0.50% · 4.625%
HK$19,954
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,910/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$657/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,344/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,122
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,742
−HK$629/mo
Today · 4.125%
HK$24,371
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,284/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,742/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,933 · 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).