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$11,561
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$366/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,861
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$350/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$715/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,112/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,873
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$439/mo
Today · 4.125%
HK$14,743
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,486/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$420/mo
Today · 4.125%
HK$16,267
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,534/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,185
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,689
−HK$511/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,006
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,489
−HK$490/mo
Today · 4.125%
HK$18,979
baseline
▲ 0.50% · 4.625%
HK$19,979
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,958/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$657/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,346/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,228/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,771
−HK$630/mo
Today · 4.125%
HK$24,401
baseline
▲ 0.50% · 4.625%
HK$25,687
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,802/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,074 · 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).