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$11,595
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,955
−HK$367/mo
Today · 4.125%
HK$12,322
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,644/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,899
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$351/mo
Today · 4.125%
HK$13,596
baseline
▲ 0.50% · 4.625%
HK$14,313
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,192/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$439/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$421/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$513/mo
Today · 4.125%
HK$17,251
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$1,049/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,502/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$491/mo
Today · 4.125%
HK$19,034
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,068/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$659/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,350/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$632/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,290/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,410 · 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).