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$11,602
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$366/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,658/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,907
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$351/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,922
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$440/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$900/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,590/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$421/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$860/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,242
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$513/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,522/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,070
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$492/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,092/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$660/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,543
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$632/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,778
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,479 · 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).