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$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$365/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,604/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$350/mo
Today · 4.125%
HK$13,574
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,148/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,892
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$439/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,526/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,454
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,869
−HK$420/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,148
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,578/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,207
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,711
−HK$512/mo
Today · 4.125%
HK$17,223
baseline
▲ 0.50% · 4.625%
HK$18,271
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,446/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,030
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,514
−HK$490/mo
Today · 4.125%
HK$19,004
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,008/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,838
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$658/mo
Today · 4.125%
HK$22,144
baseline
▲ 0.50% · 4.625%
HK$23,492
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,288/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,803
−HK$631/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,229 · 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).