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$11,572
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$366/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,596/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,874
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$350/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,140/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,887
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,319
−HK$439/mo
Today · 4.125%
HK$14,758
baseline
▲ 0.50% · 4.625%
HK$15,656
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,516/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,449
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$421/mo
Today · 4.125%
HK$16,284
baseline
▲ 0.50% · 4.625%
HK$17,142
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,568/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,201
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$512/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,024
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$491/mo
Today · 4.125%
HK$18,998
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,996/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,830
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$659/mo
Today · 4.125%
HK$22,137
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,274/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,174
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$631/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,713
+HK$1,287/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,189 · 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).