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$11,956
−HK$366/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$114,412 · 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$114,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$440/mo
Today · 4.125%
HK$14,787
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,574/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,412 · 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$114,412 · 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$18,301
+HK$1,050/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$114,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$492/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$660/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,349/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,254/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$114,412 · 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).