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$11,577
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$366/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,606/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$351/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,150/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,232 · 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$15,662
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,526/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,455
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,869
−HK$421/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,148
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,580/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,207
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,712
−HK$512/mo
Today · 4.125%
HK$17,224
baseline
▲ 0.50% · 4.625%
HK$18,272
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,448/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,031
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,514
−HK$491/mo
Today · 4.125%
HK$19,005
baseline
▲ 0.50% · 4.625%
HK$20,007
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,010/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,838
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$659/mo
Today · 4.125%
HK$22,145
baseline
▲ 0.50% · 4.625%
HK$23,492
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,290/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$631/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,232 · 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).