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$11,600
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,961
−HK$366/mo
Today · 4.125%
HK$12,327
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,654/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,905
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$351/mo
Today · 4.125%
HK$13,602
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,204/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,920
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$440/mo
Today · 4.125%
HK$14,793
baseline
▲ 0.50% · 4.625%
HK$15,693
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,586/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,486
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,901
−HK$421/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$861/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,240
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$513/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,308
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$492/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$660/mo
Today · 4.125%
HK$22,189
baseline
▲ 0.50% · 4.625%
HK$23,539
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,378/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,228
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$632/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,459 · 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).