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$11,539
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$365/mo
Today · 4.125%
HK$12,263
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,526/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,837
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$350/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,847
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$438/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$895/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,430/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,404
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$420/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$855/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,474/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$511/mo
Today · 4.125%
HK$17,168
baseline
▲ 0.50% · 4.625%
HK$18,212
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,336/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,972
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$489/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,770
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$657/mo
Today · 4.125%
HK$22,073
baseline
▲ 0.50% · 4.625%
HK$23,416
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,146/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$629/mo
Today · 4.125%
HK$24,355
baseline
▲ 0.50% · 4.625%
HK$25,639
+HK$1,284/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,710/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,859 · 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).