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$11,576
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$365/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,602/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,878
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$350/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,891
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,323
−HK$439/mo
Today · 4.125%
HK$14,762
baseline
▲ 0.50% · 4.625%
HK$15,660
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,524/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,453
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$420/mo
Today · 4.125%
HK$16,288
baseline
▲ 0.50% · 4.625%
HK$17,147
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,576/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,206
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$512/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,444/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,029
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$491/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,836
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$659/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$630/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,220 · 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).