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$11,590
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$366/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,634/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,894
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$351/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$439/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,473
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$421/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,226
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,731
−HK$513/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,293
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,052
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$491/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,054/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$660/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,520
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$631/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,753
+HK$1,290/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,365 · 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).