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$11,597
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$366/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$13,074
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,648/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$351/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$440/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,578/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,482
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$421/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,236
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$513/mo
Today · 4.125%
HK$17,254
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$1,049/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,508/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,062
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$492/mo
Today · 4.125%
HK$19,038
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,076/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,874
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$659/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,533
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,222
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$632/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,290/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,954/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,430 · 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).