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$11,559
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,919
−HK$365/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$13,031
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,859
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,204
−HK$350/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,268
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,108/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,871
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,302
−HK$439/mo
Today · 4.125%
HK$14,741
baseline
▲ 0.50% · 4.625%
HK$15,638
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,482/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,431
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$420/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$511/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,394/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,003
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$490/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,806
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,453
−HK$658/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,147
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$630/mo
Today · 4.125%
HK$24,397
baseline
▲ 0.50% · 4.625%
HK$25,683
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,794/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,056 · 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).