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$11,604
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,965
−HK$367/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,664/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,909
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$352/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,214/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,925
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,358
−HK$440/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$900/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,596/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,907
−HK$421/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,189
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,245
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$513/mo
Today · 4.125%
HK$17,264
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,528/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$491/mo
Today · 4.125%
HK$19,049
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,098/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$660/mo
Today · 4.125%
HK$22,197
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,394/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,860
−HK$632/mo
Today · 4.125%
HK$24,492
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,984/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,500 · 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).