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$11,587
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$366/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,628/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,891
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$350/mo
Today · 4.125%
HK$13,587
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,174/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,905
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,338
−HK$439/mo
Today · 4.125%
HK$14,777
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,554/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,469
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,884
−HK$421/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,164
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,222
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$513/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,047
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$491/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,025
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,857
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$659/mo
Today · 4.125%
HK$22,165
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,330/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,204
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,826
−HK$631/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,290/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,338 · 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).