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$11,556
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,915
−HK$366/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,562/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,856
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$349/mo
Today · 4.125%
HK$13,550
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$715/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,100/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$439/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,427
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$419/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,178
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$512/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$489/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,801
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$657/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,450
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,140
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$630/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,676
+HK$1,285/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,026 · 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).